Mr. Powell, you mentioned that there has not been an uptake on some of the options that the banks have had available--and Mr. Boychuk or Mr. Conway might even wish to answer this instead. But as an example, in the last mortgage purchase program options, CMHC has seen the financial institutions.... In February they were willing to buy $7 billion, and yet they only sold $2.3 billion; the banks didn't even take advantage of the full option. In March they had up to $4 billion, and yet they only sold $2.1 billion.
In your opinion, why aren't financial institutions taking full advantage of this mortgage purchase program?