Well, as we said in the press conference last week, there are a number of things. You're talking about just a sharp rise in the long-term yields on bonds.
As we said in the press conference last week, there are a number of things that are contributing to that. The term stretcher.... We talked about, as you said.... I think the quote you just gave was mine. I think the other thing I said is that we're not seeing that same increase in Canada. We haven't had the same effect of the long-term—