Mr. Carney, I want to follow up on the discussion we were having. I have just one quick question then.
Under protecting the cycle from the banks, this will mean that parties will have to put more capital into the exchange, as I understand it, and more reserves. It's a more stable system, but my understanding is the total amount of credit will be less. Is that a correct understanding, and if so, does that present us with another policy challenge? Because this committee has also been looking at access to credit issues. So if you just want to address that briefly, I'd appreciate that.