It's exactly one of the scenarios that we considered carefully and have analyzed in some depth.
In our FSR, the financial system review, where most of this risk assessment takes place, we consider risks that have large drops in housing prices, much larger than one could anticipate along with a recession. In other words, the recession causes the housing prices to fall, so the economy has a double layer of shocks on it. In scenarios even as grave as this, the financial system remains highly robust.
It's true that collateral against which people have borrowed is reduced in value, but the financial system itself is very well provisioned against shocks of this sort. Of course, the new Basel accord brings us into that zone. Canada has not had to adjust much to those new accords because we've always had a more robust provisioning system than in many other countries. As a result, we're confident that the financial system itself is not a source of risk, but we consider these to be vulnerabilities, which are more likely, as I was describing a moment ago, to magnify the impact of shocks on the economy.
Carolyn, did you want to add anything to this?