That's a question I have a great deal of difficulty answering because it was so simple for me. At that moment in Canada, other entities were buying a lot of asset-backed commercial paper. There was a premium of approximately 17 basis points, but there was a lot of risk, some of which, I thought, was unknown. I imagined that, with a 100- or 200-basis point premium in that market, it would be possible to set aside some risk capital, but it was 17 basis points. It was entirely obvious to us. I wonder how the others came to a different conclusion.
The same was true of mortgages in the United States. We decided that high-risk mortgage loans were not a market we had any interest in getting involved in. We did not want to buy mortgages in Canada or grant any at the banks we owned in the United States. Once again, that was entirely clear in my view. We started to be concerned about that market in 2005. We noted that no deposits were being made against those mortgages and people, families, were unable to make the payments. I thought at the time that there was no value in that market and that it was a disaster. All that was very clear to us at that time, and I wonder why the others did not see the same thing. It's impossible for me to answer that, but you should put the question to the others.