Since I have to go, I'll ask this in 30 seconds.
On the question of mortgage insurance, I know we're going to come back to it; however, I would like to know—since it was Serge who answered quite definitively on its purpose—whether or not this initiative was talked about before the new administration. Is this something that was on the agenda for a while? And on what basis would we be deciding public policy: in terms of competitiveness, as opposed to the ability to ensure we meet certain social objectives and find a way to put money back into social housing, rather than opening up something for the private market because it's a lucrative proposition?