But, no, I would disagree. When it comes to actually going on to international markets and matching, which is what banks have to do, they have three-year funds they need to match. They have three-year funds, they have five-year funds, they have ten-year funds they need to match. The cost has definitely gone up, and there is a competition for that kind of credit.
Fortunately, Canadian banks have been able to actually go to the marketplace and issue offerings that the Canadian marketplace has received, and I think foreign investors as well. It's received very well, so they do have the advantage of having a--