Yes, but I don't think in ways that fundamentally changed the Canadian system. I think there were probably pressures to move beyond where we went. I think now with the financial crisis, there's even less motivation to even consider those things. I think perhaps we've learned a lesson in Canada, and maybe others have learned a lesson from Canada, that a fairly kind of conservative, prudential system seems to pay off, as opposed to some of the more...I don't know quite what the right word is, but some of the ways—
