Thank you very much.
I guess I do have the time to ask my question. It's maybe not for any one particular institution, so I'll leave it open. Perhaps anybody can answer this.
Throughout all of the discussion of the ABCP issue--and the challenges, of course, faced by large organizations, but also by consumers who lost money or even with the restructuring have now had to wait a significant amount of time to recoup--over and over it seemed to go back to the credit rating that was given to the paper. My question is, what have been the consequences to DBRS in all of this? We continue to hear of challenges with the close relationship between the credit rating agencies and the issuers of the securities. Can you comment first on the consequences to DBRS in this and recommendations or concerns you may continue to have?
Ms. Hughes Anthony.