Finally—and I'll let you use the rest of my time in your response—we heard from certain witnesses on occasion about the cost of inaction or not taking measures to intervene in the economy. You've pointed to the insured mortgage purchase program of $150 billion that would essentially inject liquidity in the banks' ability to lend to other sectors.
I'm thinking about that program and more broadly. Can you talk about the social or economic cost if there had not been a serious economic intervention, not only on the insured mortgage purchase program, but more broadly on the income supports for people and businesses that would have an impact on the housing or mortgage sector?