That would not be true from a bank regulator's perspective. From a bank regulator's perspective, you have to have capital if you take risk. The banks were not taking much risk with those liquidity lines. When you look at what happened globally, asset-backed commercial paper vehicles globally started to have a problem even with global lines.
From our perspective, the Canadian banking system is not having the kinds of problems that some other banking systems are having, because they were not taking risks without capital.