Based on what we knew, we stood by our ratings. Now we win. We continue to write a big chunk of the notes, and they're single-A, but obviously with different characteristics through the Montreal accord. We do rate the bank-sponsored programs triple-A, R1 high, with global liquidity standards, which we initiated. No other rating has initiated that.
At the end of the day, we won't exist if our ratings aren't credible in the market. Investors and other parties are not going to use our ratings; that's our capital. We think we've made the improvements we need to make. We think we've got the proper oversight with the global securities regulators. We know we have to continue improving on our job to exist.