It is obviously an important risk. I'm not going to rank my risks but it is an important risk. It is a risk because we don't think the current situation will last forever. At some point, interest rates are going to rise to a more normal level, and at that time, I hope the people who have those mortgages are fully prepared for that. But since we don't know if they're fully prepared for that, an analyst might identify that as a risk to a bank. That's where I would stop.
On June 6th, 2013. See this statement in context.