We would have the ability to see that trend, which we didn't have in the past. It's important we have that ability.
The second thing is that we deal with the highest risks first. If we have a challenge, then the resources get directed at that highest risk. There is a limit to this, but I don't believe the risk would change simultaneously in every sector in every part of the country. I don't think the industry thinks that way. In the responsible part of the industry, which is the broad part, they respond to those things and they put good measures in place, so I would be surprised to see the whole industry go into high risk at the same time.