I would just say that all governments and all authorities have realized how important it is to have a robust toolkit for resolution. Canada evaluated its toolkit last year and determined to add a few extra powers to CDIC. These amendments were certainly not made because one foresaw that the Canadian system was more vulnerable than it was a year ago. It was simply that certain stakeholders either asked for clarification in terms of how derivatives contracts were being treated or that CDIC itself had identified some amendments that would make the payout of a deposit determination more effective, more efficient, and quicker to protect deposit insurers.
With respect to the “too big to fail” issue that you've raised, this again is one tool in a toolkit that Canadian authorities have in order to deal with large banks. We have a wide variety of supervisory tools that are available in order to address the viability of large banks, but clearly it's a policy issue that all G20 governments are moving forward with.