First off, TD bank is a big issuer of asset-backed commercial paper, so it's not correct. We continue to rate it, and other rating agencies rate it. In fact, they rate it triple-A today. There's $50 billion outstanding, of which TD is a big participant. That's a fact.
The second thing I would say is that one of the big lessons learned from the whole process was the need for greater transparency and disclosure. The evolution of disclosure is that the banks wanted to keep a lot of the information confidential for competitive reasons, so they'd give it to the rating agencies and then you would have that. When the crisis hit, people wanted to know exactly what was in the portfolios. In the absence of consistent disclosure rules and confidentiality agreements, which precluded our.... For example, if a corporation gave us forecasts, we couldn't just publish those. There was a lack of transparency.
I think one of the key things now is that--