Very briefly, I think the situation in the United States and the situation in Canada are dramatically different. We have dramatically different mortgage markets. We have a dramatically different approach to lending.
You know, the approach of Canada's banks is they lend money to people who will pay it back. In the United States we didn't often see that. In Europe we didn't often see that.
We had a different approach to lending. We did not have a subprime crisis here. We do not have the artificial incentive of mortgage deductibility on your income tax. If you look at the single key statistic that separates the two countries, which is mortgages in arrears, more than 90 days not paid, in Canada those are less than half of one percent. That's now, over the height of the crisis, and before the crisis. We're careful lenders. Canadians are very careful borrowers.