I have just a quick one, or more of a comment, to OSFI specifically. I'm very happy with the work that's been done with regard to B-20 and the superintendent's speech. Going back to the comment of my colleague Mr. Grewal about employment verification and collateral, OSFI took a regional approach to putting that out. It wasn't a broad-based approach. It was a regional approach in terms of the capital requirements and so forth. I read through the papers. I do want to applaud them, not that the other institutions have done anything different, but on that level, I was actually happy to see that, because I think if there is an issue, it may come from that side in terms of employment verification, income verification, and collateral verification.
