Mr. Turner, on your question about whether the housing market is a calamity about to happen, we don't subscribe to that at all. We don't think this about a new competitor coming in as long as it's capitalized properly, which is a very important thing that OSFI would need to look after. But at the same time, it needs to be studied.
The safeguards I mentioned earlier and the level playing field will make sure we have a viable, long-term, and competitive marketplace that benefits homebuyers.