Thank you, Mr. Chairman.
Yes, the Canadian Home Builders' Association is not in favour of delay. We have set out what we believe are conditions that should be focused on very carefully. We're hearing today very strongly from at least one member that he believes those conditions, one way or another, are covered off effectively: the Department of Finance, OSFI, and so on. As long as we're on record that these conditions concern us and that they will have a focus as time goes on, then we will not sit here making any recommendations to cause a delay.