I'll answer the second question and leave it to my colleagues to answer the first and third.
Let's look at the cost of credit and that cost in relation to the Bank of Canada benchmark. The Bank of Canada benchmark, since its peak in the fall of 2007, has fallen by 425 basis points. Bank prime has fallen by 400 basis points. It's about 95% of that. That's a very close correlation. Any borrower with a fixed prime-plus contract, or in some cases a prime-minus contract, has seen a 400% basis point reduction in his loans. There have been some readjustment in some instances.
As the financial markets are starting to work a little better, we've moved into a fairly serious recession. Loan losses and loan loss provisions have gone up. In some cases, loans that were prime plus 1% are now prime plus 2% or 3%. On balance, the cost of credit to businesses has fallen. It has not fallen in all cases by 425 basis points, because in many instances it's more expensive for financial institutions to raise capital funds. In some cases, the cost of raising funds has not fallen as rapidly as the Bank of Canada benchmark. But I think when you take into account all of those factors, on average, the cost of lending to the business community has gone down.