Bank of Nova Scotia (NYSE:BNS) NBF 21st Annual Financial Services Conference March 29, 2023 9:45 AM ET Company Participants Philip Thomas - Chief Risk Officer Conference Call Participants Unidentified Analyst All right. Our next speaker is Phil Thomas, Chief Risk Officer of Scotiabank. Phil has been in that role for 1.5 years, which would mean you were hitting at around a very -- things were looking up at that point in time from a risk standpoint. Obviously, a different environment today. Thanks, Phil, for ...