Question-and-Answer SessionLet's start with the ROE, like everybody is obsessed with these days, rightfully so. But in Scotia's case, about half of the ROE expansion is expected to come from your business. Contrast that with some other banks where usually it's the ROE expansion in the U.S. or elsewhere, that's the driver. So what are the keys for that? And how do you expect to close the ROE gap with your peers?Aris BogdanerisGroup Head of Canadian Banking Right. So great to be here. The ROE in the first qua ...