Far Better Results than CWBMy bet is it will also beat Laurentian by a long shot. ROE at over 22% is double CWB, efficiency rratio is running 53% which is very good for a bank of this size, predominately in Canada and the Net interest margins are holding quite well considering the low interest rate environment we are in. Growth in volume and revenues is well diversified across the business segments. There is room for a large increase in divided payouts once OSFI allows it.