If I could just say one quick thing on that, one of the things that we really have to watch for.... We're very supportive of mark-to-market accounting, but again, we have to have harmonized standards, because FASB is taking a certain approach and the International Accounting Standards Board may be taking a different approach.
Harmonization--I keep using that word--is critical. Otherwise, it really is difficult when we rate banks in Canada, in the United States, in Europe to have apples to apples. We'll support whatever the standard is. We think a good, clean communicated standard is what's required.