Thinking services for a second--real estate, banking, accounting, and so on--if the situation in the United States with respect to credit becomes....
Let's say there's wider recognition—I've been saying this for several weeks now, and I think colleagues are starting to pick up on it—that Canada's lending institutions had a little bit more of an indelible role, shall we say, in partaking; these writedowns continue; and we have a day of reckoning where all lending institutions can say yes, we did a little bit more than we've actually been able to say. What impacts do you think that will have for commercial lending for Canadian consumers?