Thank you, Madam Chair.
Gentlemen, thank you for being involved in this exercise. We are aware that this has been done in very tight deadlines, and we really appreciate your availability. You know your subject well, and we are very pleased.
My first question is for Mr. Hill from CMHC.
You mentioned in your presentation that CMHC is encouraging the development of green housing and that it has a premium refund program for borrowers of up to 25%.
How long has this program been around?