Okay.
Peter, I do want to clarify something, though, in your questioning. The federal government is not shovelling money to the banks. What they're doing is providing liquidity so the banks can provide the loans to others, the same as we're providing liquidity to others. I wouldn't want the wrong impression to be left there. I'm not a great fan of the banks myself, but we want the right information out there.
We'll turn to Mr. Morantz, who will be followed by Ms. Koutrakis.