From reading the information that's gone around, I believe that some of the regulators involved with the federal trust legislation may have been speaking in British Columbia, though I could be wrong. I think I've heard on a couple of occasions the question posed to credit unions, what are you doing to mitigate your risk and diversify when all of the mortgages you provide, for example, are all in one particular city or area, which could get hit particularly hard? Say, it's an agricultural community that gets hit hard, and then you see a lot of defaults—
On July 27th, 2012. See this statement in context.