I would echo Mr. Halde. We think the BCAP program is a good one. We had been working, both of our organizations, on stronger cooperation before the recession hit, and I think the BCAP program has certainly accelerated and deepened that.
What I would also say—and I'm speaking just for the banks now—as I said in my remarks, is that our industry came into this recession well managed, well capitalized, but also well regulated. I think our perception is, particularly in those areas focused on the stability of the system, ensuring there's liquidity in the system, that the government has been both targeted and appropriately restrained, I guess is the right word, in the sense of targeting measures that focus right in like a laser on where the marketplace had some issues. Not the banks; the banks were solvent. But sometimes the market wasn't working very well. When we look around the world, there has been a fair amount of cohesion among authorities around the world. But if you look at what's happening in the United States and the United Kingdom, where there really was a very serious problem with the banks, the degree of intervention, the enormity of the intervention, is very different from the situation here. So the government, I think, has been very appropriately targeting, and I think that kind of very balanced approach going forward is the right way to go.