As my time is limited, I will move on to another question, Mr. Buell. Your remarks, however, have clarified many things for me.
I have another question which I would like to ask Ms. Walmsley. You represent those who advise people to buy these products. You represent the Investment Counsel Association of Canada. I assume that those working for brokers will advise people to buy various products with their personal savings.
Was your association aware of any remarks or warnings? Last week, we heard from Mr. Don Drummond, vice-president of the TD Bank. He told us that it was so obvious, and so straightforward and that consequently the institution did not buy asset-backed commercial paper. Correct me if I am wrong, but how is it that an association such as yours recommended to many clients who were members of Mr. Buell's association to buy these products for the future?