It should be a private market. When we lend, when we provide liquidity to the system, we do it on what is very effectively a repo-type transaction when we provide exceptional liquidity. But we're not talking about a central bank market; we're talking about a private market that is much deeper and broader elsewhere than in Canada, and our position is to the detriment, we think, of our system. This crisis presents an opportunity to redesign that market, and we are working with industry to help them redesign--
