I want to ask a question. I've always been a great champion of our banking system. I really believe that the last great recession which, as you've said, Governor, we are trying still to climb out of completely has been a result of reckless behaviour on the part of banks. I read a report this morning from the Deutsche Bank. They had exposure, it says, to $75 trillion in derivatives. We know that the last great recession was largely a result of toxic mortgage derivatives in the States.
I'm curious, first of all, whether you monitor our banks, and second, as to whether you can give us a report on how our banks are faring in those areas that caused us those problems five years ago.