On the issue of stability in the marketplace, once again, half of all buyers today are forced to take mortgage insurance. Many would argue that people are over-extending themselves to buy new homes today, and we've never seen the level of mortgage debt in Canada approach what we see today. We've never seen so much consumer debt as exists right now. Some people say it's a time bomb.
I want to hear from both of you. In allowing more competition in the marketplace, is there any danger here of destabilizing what is now a stable marketplace?