May I just jump back in on the credit question? We are experiencing, globally, a massive financial de-leveraging, and I acknowledge that the Canadian banks are in a far better position, as I know my colleagues understand, than their counterparts in other countries. At the same time, we shouldn't be satisfied only with the fact that credit creation through the Canadian banking system seems, if you look at the numbers, almost normal, because it's the non-banks that have collapsed in a major way, and it's the non-bank credit that goes through sales finance companies, life insurance companies, the commercial paper market, etc. It's the collapse of that market that is very serious and drying up credit.
If things were so good in our banking system, why haven't credit interest rate spreads narrowed further? That's my only question.