Okay.
I know that Tiff Macklem was here talking about the G-20 and what he's doing. The regulators are part of that process, and we're really focused on three things: first, whether capital is adequate and how to build buffers in good times so that they can be drawn upon in bad times; we're spending a lot of time on liquidity, because the approach to liquidity needs some refinements to ensure that banks don't run into the kinds of problems worldwide that they ran into in the past 18 months; and lastly, we're focused on compensation arrangements within financial institutions, to try to ensure that when these are developed, the institutions think about risk at the same time.