I wold have thought you might have shown a little bit more humility and a little bit of willingness to accept at least a modicum of the blame for this, because so many Canadians, many of low income, had their assets frozen. It was a crisis at the time. Fortunately, it's been resolved in a satisfactory way...or reasonably satisfactory. It's a lot better than it was months ago. But the conventional wisdom seems to be that had you not taken this action on the triple-A ratings, this crisis probably would not have happened. So in that sense you're at the centre of it.
You seem to be saying very little about that and offering all sorts of advice, whereas I think what we would want to hear is how come you got it so wrong and what have you done so that we can have any confidence that you won't do such a thing again.