The follow-on I would make is that the situation around the CAIS was a little different. I think there were some natural circumstances that caused the differences. One is that it was introduced fairly quickly, and introduced at a time when a decision had been made to go in a fairly linear approach with support programs, and to try to avoid having multiple programs in operation.
The issue that fell out of it was that almost simultaneously with the introduction of CAIS we also had BSE and avian influenza in B.C. The government was forced to respond to that, and it chose to deliver those kinds of support programs through CAIS.
The fallout for financial institutions occurred in two ways. One was that CAIS was very new and wasn't really fully functional yet, and the timeframes for it had been relatively short. The other part was that as we layered on the additional programs, it got to be confusing for us, and then consequently more confusing for our customers, to try to explain what was an add-on program and what was the original program, and when we were talking about CAIS and when we were talking about something that was special delivery relative to a shock to the system. That, for us, was basically the core dilemma.