Are you able to adapt? We heard the comment from Benjamin that the private sector is way ahead of government. Is CMHC able to adapt to the industries and the innovation that's going on in retrofitting and energy efficiency projects for homes, commercial buildings, and multi-units? Do you feel that in your application process you're able to react as quickly as the industry and the innovation that's out there?
When people apply to you and they come forward with something that is so up here, are your application forms down there—i.e., you maybe don't give credit to someone who comes forward with something that's much more energy-efficient?