How's technology changing what RBC can deliver for our clients? And can you talk a little bit more about our innovation strategy?

Definitely.

AI is an enabler.

I think where some institutions go wrong is they think about it as a threat.

This is a development in technology which is really augmenting some of the human expertise that we have, whether that be through faster analysis, better use of data.

If I take examples, it's helping traders better understand risk and liquidity.

An example being we've got a predictive AI looking at our data.

If we were having this conversation again in five years time, what would success look like? And what would it mean for RBC to have truly become the partner of choice for more clients in Europe?