You're quite right in terms of their not being used, but the fact is that they have been set up. They're there as standby facilities. It gives, I think, confidence to the marketplace.
For example, the insured mortgage program was a very effective vehicle for providing a source of funding for the banks in a crisis environment. I'm just saying, instead of completely unwinding it and disbanding it, leave it in place so there's assurance that if this thing comes back, it's there. It wouldn't cost the government really anything to do it.