--if I may. One is the funding costs of banks and the increase of the spread. Ultimately, it's a product of the recession, but where bank funding costs and bank spreads went in shorter term markets....
I'm going to get technical, but it is the finance committee. If you look at, for example, the spread between the CDOR and the OIS rates--so where the market expects our interest rate to be and where banks are borrowing in the interbank market--those have not returned to historic norms. The stability has returned to that market, which is welcome, and that means that on a level basis there's less need for liquidity, but they haven't returned to historic norms.
Ultimately, these are markets, and one has to be quite careful about dictating market prices, I would suggest. From our perspective, the market price that we set is the overnight cost of money, and we take into account where markets are going from there in determining where that level should be.