I think one could say that some of the insurance companies have taken some bruises. They still continue to meet all our requirements. I think all institutions now are looking at whether acquisitions should be made, because the share prices of institutions in other countries have fallen enormously and much more so than the share prices of our institutions.
Canadian institutions are becoming very big in market terms, so they are looking. But I think at the same time caution is definitely warranted. No transactions have been announced, and we will wait and see whether any are.