How are you viewing the job market right now at BMO? And what is your philosophy on talent? What

are you looking for in terms of talent acquisition? There's a lot there.

I mean, it goes back.

So there's a couple of things.

I want to go back to the point of you talked about the mobile check deposit, because it's an advance in technology that's unbelievable.

And checks are a Checks are, if you look at the United States and Canada, we handle, the United States is a very big check market.

Canada is a little less, but we still have way too many in the system.

Oh,