I tried to say in a speech in Toronto on March 13 that we were at the end of the beginning, because I think we collectively had a much better understanding of the causes of the crisis. One of the issues there, in terms of moving from understanding the causes to resolving them, is disclosure.
I suspect you all have, but I would encourage you to read the report of the Financial Stability Forum adopted by G7 ministers, because at the heart of that and in the annex of that is a very prescriptive, detailed disclosure requirement for financial institutions. Those requirements, and the prospect of implementing those requirements, are going to enhance disclosure. And it's already happening. We're seeing that it will indicate the need, or not, for additional capital, and that is part of what is prompting to get more capital in the system.
I know your time is short, but I have a very quick point. The basic issue here is that the unregulated or the non-bank financial sector is coming, by and large, into the regulated bank sector, and leverage levels in that sector need to go down from where they were before. So it's a combination of assets coming on and a need for capital. That's the process we're working through, which will take time, but at least we're in that process now.