I think it could go either way. We're at a tipping point right now. People inside the banks are aware of the magnitude of the problem, but there's not a firm consensus yet of how to fix it. The very fact that firms are experimenting with new technologies and radically different methodologies is encouraging, but the process is still in its infancy and change does not come easily to these conservative companies. It takes time to steer a ship this massive away from the icebergs. What worries me is that it's been 8 years since the 2008 financial crisis, and it feels like depressingly little has changed since then. What should have been a wake up call is now merely a historical footnote. I just hope it doesn't take another such event, or something even worse, to really light the fires of change.