My comments are designed to talk about the fact that Canadian banks today continue to function in the way that banks are supposed to function, whereas their international counterparts do not.
Now, it is clear that we are not out of the woods yet, and there continue to be stresses in the system. We do look at the cost of funds for Canadian banks versus the costs of funds that other banks are facing around the world in various spreads, and what we've seen is that the spreads have come down. They're still high, though.
So the system is performing well vis-à-vis other systems in the world, but it is still under strain.