Thank you.
We start with the mission of our company: the way we think about it is that we provide solutions for those who are trying to make home ownership a reality. In this country, that would be the financial institutions, the credit unions, the caisses, etc. Our view is that we should focus on the things we focused on for the last 18 years--that is, prudent risk management, making sure that the people who do get mortgages can afford the mortgages they have taken on; product innovation, to make sure that the greatest variety of payment plans could be supported by the banks; and superior customer service, in making access to these products easier for all Canadians. We believe this provides the type of value the committee is searching for.