Governor, I want to follow up with you on a series of articles that have been written by Mark Rendell at The Globe and Mail, which I'm sure you're familiar with, where he talks about the fact that traditionally the bank has contributed its earnings to the federal treasury on an annual basis by remitting an amount, and most recently, over the last number of years, it's been about $1 billion a year. You've got this odd situation now where you've got billions of dollars sitting in the settlement accounts and you're now paying your overnight rate of 4.5% to the banks that were only earning 1% on the bonds you purchased from them before. Essentially, the bank, for the first time in its history is now in a loss position. Since we last spoke, you've now gone and made an arrangement with the Minister of Finance that she's going to allow you to keep your retained earnings.
Would you agree that, essentially, this arrangement amounts to Canadian taxpayers bailing out the Bank of Canada because of its quantitative easing program?