Let me make two points in that regard.
First, as Monsieur Duguay mentioned, the bank did warn about the problems in Canadian asset-backed commercial paper in both 2005 and I believe 2007, and quite clearly deux fois, I believe.
The second thing is what we could have done further to address the issues. First, I would say that from the overall crisis perspective, as Mr. McKay referenced, we did not have a self-generated crisis beyond ABCP, non-bank ABCP in Canada. So that's not there.
But if you look at it going forward—as currently constituted, what's the role of the bank?—the bank can do analysis, can do exhortation, private and public, for others to adjust if we believe there are issues, and we work closely with our partners. But in terms of direct levers beyond our oversight responsibility for the payment system, which is important but very technical, we do not have those direct levers, and our object in the conduct of monetary policy is very clearly the 2% CPI inflation target.