Okay, and you've alluded to the fact that there are some non-regulated and non-affected potential issuers. But it is an area with great potential for growth, as has been testified to before our committee, and also an area where obviously, by its nature, these kinds of mortgages are somewhat more affected by increases in interest rates, that type of thing. That's why I'm asking.
Apart from observing the U.S. situation, what other research or preparatory work have you done in respect of these? I do believe from testimony we've heard at the committee that there is the potential for a great expansion in the marketplace of those types of mortgages, which prior to this time have not been utilized by Canadian homeowners. What kind of work have you done in respect of this?