The housing market is very important in Canada, and it changes, as you know. Interest rates change, and it's important in Canada that we watch what is a dynamic market.
The new housing market in Canada is one of the great employers in this country, particularly in our metropolitan areas—Montreal, Toronto, Vancouver, and elsewhere, Calgary certainly. We have to not only watch to ensure that we don't have excessive mortgage borrowing and too much risk-taking on that, but we also have to ensure that we have a viable housing industry in this country, because it's good for Canadians.