Yes. As Clyde mentioned, if you look at the report on page 13 on stress testing, we do mention that the corporation has a stress testing policy in place, and they have the stress testing results to make sure they have adequate capital for business strategy. Our conclusion is there that they do have a stress testing policy. They are doing stress testing.
What we intend with our report—we feel it's important—is this. When you do ad hoc stress testing, you pick some event that you know would be major for the corporation, and the reason you do that is that, in case those events occur, then you have a plan and you are able to react to those—