To get to $200 billion, there is $40 billion of extraordinary liquidity provided by the Bank of Canada, and $10 billion is CMHC. Canada Mortgage and Housing Corporation--I think it was in November--introduced a new 10-year Canadian mortgage bond. This is a securitized bond of pools of 10-year mortgages or of a 10-year duration, which is guaranteed by the Government of Canada and sold into the private market.
Canada has the only mortgage securitization market, really, that's working in the world, and that's because we do it with a government guarantee. So that is a way that basically banks can fund their mortgages.