I would say the core thing.... I think Mr. Van Kesteren pointed out the good old-fashioned conservative Scottish banking. My last name is Campbell, so I took heart at that.
I would say that fundamentally it's the behaviour of our banks, it's the behaviour of our regulators in terms of the quality of supervision, and it's the content of the rules. Those are the three things that have stood Canada in good stead.
I'm not going to pronounce on the merger decision of two decades ago, but it's hard for me to see how those fundamental qualities would change. So I think—whether or not it's just the way we do things in Canada—it's that tripartite, the three legs of the stool that seem to work together very well in this country.