I have only one minute left. I will just say that I also very much appreciated the part of the framework for the monetary policy on low interest rates, for me to try to understand what's going on.
The Canadian Bankers Association sent out a very good piece. I just want to make sure it's accurate. They talk about how 1% of their borrowing, as they call it, is based on the rate that you put out overnight. For the overnight money, it's about 1%. But the actual fact is that they get the rest of their money from other parts of the marketplace in terms of being able to re-lend that money out to their customers. Considering that, you have here this long-term money that people base their interest rates on. Are they accurate in how the actual banking system works? There's confusion for people in my riding about how--