Mr. Liu, I have a question for you. You mentioned in your brief that your research shows that more products could be brought onstream that would assist first-time homebuyers, particularly those who are self-employed, and particularly new immigrants. I don't know if you know this, but I worked in the immigration portfolio for a while, and this is a problem for a lot of newcomers to Canada because they don't have the Canadian credit rating history that others might have.
Could you expand on that a little bit for the committee? How do you believe that new immigrants and some of the under-served part of the market could benefit from the entry of a company such as your own?