May I respond, Mr. Chair?
Thank you for that. I agree. I just wanted to be clear in interpreting my last statement that this puts creditors and shareholders ahead of the taxpayer. Just to be clear, there is always contingent liability on the taxpayer where we backstop, in many ways, the financial system. I think we had that conversation earlier, that this really mitigates the risk in ensuring that, before you ever contemplate the taxpayer's being involved, you have the creditors and shareholders there in advance.
Thank you.