I don't think I should comment on DBRS itself. Once again, the lesson learned on credit rating agencies is that I think many would say there was an overreliance on the credit rating reports, and that turmoil has definitely highlighted this kind of overreliance.
That has been an issue that has been seized by many in the international regulatory forum. There is an International Organization of Securities Commissions known as IOSCO. They have revised their code of conduct fundamentals for these kinds of agencies. We also believe that the code should be monitored very effectively in Canada. The question is, who should do it? Should it be our securities regulators? It's an open question. Who should it be?
In addition, the whole G-20 exercise, the Financial Stability Forum.... There's a chapter in there on credit rating agencies. I think it is a worldwide situation where the accountability needs to be enhanced, and the whole question of conflict of interest has obviously been raised in that context. I think we'll see some changes there.