That's a fair comment, but for that particular class, the DBRS was a sort of dominant agency, because it was based in Canada, focusing on it. As my colleague indicated, at the end of the day our membership exposure was limited. Where there was the occasional investment, there were a number of reasons behind it that had a lot to do with the credit rating agencies and the lack of oversight on some of the diligence they did.
On March 31st, 2009. See this statement in context.