That is exactly where I was heading. From our perspective, the subprime is characterized by a lack of creditworthiness on behalf of the borrowers. For all of our products, including 40-year amortizations, and especially on 100%—because we're very careful in introducing and managing that one—we had stringent requirements for creditworthiness, which, by definition, means that these types of products were not subprime.
Comparing it to the U.S. is extremely difficult in that what happens in the U.S. is very different from what happens in Canada. The systems are completely different, right from the mortgage interest being deductible to other significant parts of the process. Comparing one to the other is very difficult.