There are sectors that are....
As I responded earlier, I don't think we should focus strictly on the asset-backed commercial paper, because a range of issues have affected our small and medium-sized businesses. So if you're in the tourism sector, the rise of the Canadian dollar has probably affected you a lot more than other factors.
The key areas, the ones where we have the highest levels of impaired loans, are tourism and manufacturing. Those are the two key sectors that seem most impacted by the overall economic environment.