Sure, I'd be happy to.
No one expected what happened in September with Lehman Brothers and the corollary on the global capital markets. A number of the programs weren't in place either in the U.S. or Canada to help liquidity, to bridge through a tough time. I look at the insured mortgage plan that provides the Canadian banks with liquidity as a vehicle that helped. The Canadian lending assistance facility, which Parliament has passed through the budget, has not been used, but it is there if necessary. No one can predict what next week is going to bring and whether our banks will need various vehicles to get them through a short period of time if a crisis in confidence happens in the capital markets.
My point is very much to have these programs in place and if necessary they're there to be used. They may not be used. There was a problem for Canada because our banks were better. We didn't need these programs, and the international market started to say there was something wrong with the Canadian banks because the governments weren't supporting them. That's no further from the truth, but wise to put these in place to let the global community know, which often doesn't take much time to understand.