The programs we've had up until 2003 in Ontario, as an example, and there are other provinces too, work fairly well. If the NISA program had been allowed to carry on, I think with the income problem we saw here in the last two or three years, it probably would have been a model. NISA would have shown how it exactly works. Bringing that back in as a top layer of CAIS kind of identifies that maybe that still is a good opportunity.
I think we have to build on some of those things we've had before and try to grow them and come out with that bankability, the predictability of a program.