We just had the financial crisis of 2007-08 and post-recession. We have Alberta, for example. Alberta has been weathering a significant economic downturn, and that is without a housing collapse.
What do you say when you're faced with the actual practical situation that we just had a major stress test in 2007-08 and we have continued to see a weathering where Albertans are doing what it takes to be able to keep their homes?