The change in 2018 from 220% to 165% was as a result of a change in methodology at OSFI. It's as if accounting rules changed and we had to restate. It's a comparison of apples to oranges and it would be inaccurate to suggest that we decreased our capital. As a result, it's just a different measure.
We did have some hedge or contingency capital that we'd held for general matters, largely relating to model validation—a slightly technical matter. There was nothing with respect to, as you said, reputational risk in particular, and strategic risk. That is now part of our own risk insolvency assessment process this year—Derek may want to add to this—and we will be advising the board of our views on capital, but we have used a stress test now for those activities.