Thank you.
We seem to stand alone in that regard, so I certainly would support your personal view on that. It seems to me that if there really is a major failure on this, certainly a single regulator would hold those accountable to the failure.
But if there's a failure on this, it comes back to the rating service. The DBRS basically rated this asset equivalent to T-bills, with a slightly higher yield. In fact, we had a number of witnesses who came forward and said that when they were buying this they were told that for this type of asset to fail, the banking system in Canada would have to fail, and that's because it was rated in that fashion.
Do you have any comment on how these were rated then versus how they will be rated in the future?