I want to pick up on the asset mix. The first thing is that we have these term PRA relationships with financial institutions to provide liquidity, as I mentioned. These are basically repo relationships, and they're secured by a range of very high-quality assets, most of which are Government of Canada-related assets. So the actual risk to the bank is de minimis, it's a risk to the Government of Canada effectively, and I think we know what that is, and we're doing that to get liquidity out there.
If it is appropriate, we could continue to expand the scale of those operations. We could expand the term of those operations. We could expand the range of financial institutions with whom we transact. That is an option. Currently we think it's sized appropriately, but we could change that. We could change the duration, as I say, with which we react and we retain flexibility on the policy rate.
But I want to underscore that variable mortgage rates have gone down, that the prime rate has gone down substantially, 325 basis points since we started cutting; that the bankers' acceptance rate, which is effectively the commercial paper market in Canada, has gone down by almost 400 basis points since we started cutting. Even though risk premiums have gone up because of the crisis, the actual cost of credit in this country has gone down since we've cut. And if we were to continue, one could expect an additional stimulus--if that were appropriate, and we're not taking that decision casually.