I haven't seen the recommendations, and I would want to see them, because housing is really a complex area and there are no simple, inexpensive solutions. It's an expensive area to make good changes in. I haven't seen them, but I can tell you we've looked at affordable home ownership recently, and you have to be very careful about how you invest money in that area. I think CMHC has done good work making mortgage insurance available, but often when we get gung-ho on home ownership we encourage low-income families to buy homes in areas where they don't maintain the resale value.
So there are good reasons to be careful about that and where you have so little investment, aside from the $1.4 billion Mr. Turner referred to. Where we're not doing a lot...we have to look first at direct investment and at the outcomes we achieve with housing investments. I would leave it at that.