If I may, let me differentiate. If you were a customer of an institution and you had deposits or mutual fund RRSPs, from a portfolio point of view, none of your client's interfacing with the bank should be disrupted. It should not be disrupted. Your client's interface with that institution should be maintained: their accounts, their provisions, loans, mortgages, car loans, should continue seamlessly. However, if they own an instrument that it in itself is exposed to this, or the general economy, that's not to say that the value will not fluctuate with whatever is happening to the institution or to the bank.
That's how those two scenarios differentiate.