Hindsight is a beautiful thing. That evolved with other participants, Canadian banks, regulators, who came up with that language, and it was active in the Canadian markets through the 1990s. We recognized, when we made our statement in January of 2007, that we would no longer accept market disruption to rate any new programs. We just about got thrown out of Canada by all constituents for making that statement, but that was our...you know, we make tough decisions, so we stood behind that one.
We obviously think now that needed to be a much higher standard, and that's what we've done.