It's certainly true that if you go back a few years, the Canadian financial system was criticized: it wasn't sufficiently dynamic and innovative; it wasn't keeping up or leading-edge; size was critical to success on the global front; if you looked at the relative rankings of Canadian banks, there were no Canadian banks in the top 25 banks in the world.
I think certainly with the benefit of hindsight, Canada, as I mentioned in my opening remarks, did a better job of balancing stability and efficiency. When you look at that over the cycle, that has allowed our system to perform better.
A recent Financial Times article called Canada boring, and said the world needs more boring. I think there is a lesson there. If you look at Canadian banks now, it changes every day, but the last time I looked we had at least two banks in the top 25 in the world. This is on the basis of market capitalization. Obviously our own banks' market capitalization has shrunk quite a bit, but others in the world have shrunk a lot more. So our banks are now actually quite large in the world.