I can answer briefly. Of course this was a market situation that concerned the banks in a certain sense, but the products on the market were non-banking products. Obviously, some banks were involved, and I think the good news is that everything turned out fine in the end. We learned lessons that led us to change our procedures.
The Canadian securities administrators have proposed the elimination of certain kinds of status or asset-backed commercial papers. That increases more disclosure and prevents the sale of ABCP to retail investors. That is a proposal that is out for consultation.
Also, we have seen that the Office of the Superintendent of Financial Institutions did issue an advisory on securitization in October 2008. I gather the general gist of it is enhancing the regulatory requirements for securitization facilities such as ABCP.
I'm just pointing that out to say that I have the impression, as Ms. Menke said, that this is more closely related to Ms. Dickson's purview, and also that of the provincial agencies.