What I hear you saying—and I don't want to put words in your mouth so tell me if this isn't correct—is that you're focused on making sure that the banks are in a secure financial position because, if they are not, we could face tremendous economic hardship as you described.
You described an example of that as what happened in 2008, but it is in pursuit of that goal that there are some restrictions that you require banks to put in place in terms of how much they could lend to certain individuals, even though that makes it harder for some Canadians. Is that correct?