I'll be very brief.
Just to add a footnote to what Paul said, we don't expect the situation in the U.S. housing sector to normalize until the latter part of 2009. That's not to say, though, that we don't see the U.S. economy beginning to turn through 2008 because of the strength in other sectors. The two weakest quarters, we think, are in the front half of the year, after which we see it beginning to grow based on strength elsewhere.