One of those derivative products was, essentially, to take a large number of mortgages and put them into one package. They were called "derivatives". In those large number of packages, as you might imagine, there were some good mortgages; there were some bad mortgages. The theory being that if there were some failures of mortgages, the good mortgages would cover. So someone who wanted an exposure to the American mortgage market could buy one of these derivatives, buy one of these packages with maybe up to 10,000 or 100,000 mortgages in it, secure that they had a good exposure to the American market. Well, of course, that worked fine until those derivative products got filled up with bad mortgages, mortgages belonging to people called NINJAs—no jobs, no income—and were bound to fail. Now, that would have been fine if only maybe 10 percent of them had been that. But, as it turned out, in the end, a large number of those mortgages were that. So once this became known—there's a very good movie called The Big Short. I'm limited with my time here, but if anyone would like to know a little bit more about that, well, the movie The Big Short actually outlines it. 