Thank you very much.
I have two more questions, quickly. One is to Michael Shapcott, who was kind enough to present a brief to this committee on the mortgage insurance issue even though he couldn't appear.
I would like for you to give just a short message to committee members about the dangers of opening up mortgage insurance to private competition before we do the final vote tomorrow.
Then we'll go to Ian Boyko, on education. I think we all agree that the money going into infrastructure is not money going to access. But I think we all have to acknowledge that at least the Conservatives are trying to spend the Bill C-48 money--something the Liberals refused to do. They had to be dragged, pushing and screaming, just to put in place some money for access after 13 years of no money for access--in fact, after taking $6 billion out of transfers, to the point where the federal share of education is probably less than 10% in most provinces.
So I wonder if Michael and Ian can each give a quick comment on those two issues.