I'm actually surprised to hear that you do consult companies to see where they are. I didn't think you used that kind of tool.
Another question was on what tools you utilize prior to making interest rate decisions. That's one of them, obviously.
I'd also like to touch on the sub-prime mortgage crisis in the States, again in terms of where you think it is along its path. We've had substantial writeoffs by some of the biggest banks in the world. Again, are we 50% through, are we 75% through? I know it's a tough call, but it's important for us to know that. I have an investment portfolio, and I'd like to know if I should be investing or not.