In prior meetings we did talk about the move to global lines, and I understand that. However, I think the market froze because of people recognizing that maybe the underlying value simply wasn't there.
You've talked about disclosure and transparency. With respect, the reason people rely on credit ratings is that you can give somebody a 50-page prospectus. You can give them all that disclosure. We all know that people will still rely on the credit-rating agencies.
I'm just interested to hear your comment, that you still would have given this group of non-bank ABCP a triple-A rating, given everything we've seen.