I'm not sure I have a silver bullet for all of that. I'll let my colleague from Finance talk about the effect of real estate and the financial institutions south of the border and here in Canada, and how that may or may not overflow here.
Within the presentation of your question is the notion that if the American economy is in fact going to suffer some rough times, is that going to back up and affect us here? I think you'll find a certain consensus that, yes, indeed we will feel an element of that. So we're going to be challenged in terms of being able to carry on and find the strengths.
I'll turn to my colleague just to get to the heart of this.