I'll just conclude by suggesting that this is a reasonable proposition. It will not affect business and competition. It will not make it more difficult to do business. We had some of the folks who were here themselves say they would like to see some of these criteria built in. We had a clear statement from Desjardins; we had a clear statement from home builders; we had a clear statement from real estate.
I didn't hear one of the potential mortgage insurance companies jump in and say, “We couldn't handle that.” I don't think there would be any opposition to some rational process for ensuring that there was a way to collect data, to oversee the process, and to ensure some equality across a region and income group.
I would just finally conclude by saying that often we think we're far ahead of the United States in this country. Well, in this case, they've had no trouble in the country to the south of us realizing the importance of collecting data regarding loan originations, applications, and loan purchases. They've had no trouble collecting information on the basis of ethnicity, race, gender, and gross income. That has been an important part of their attempt to ensure responsible, accountable, open mortgage disclosure systems in that country.
I think we could at least do that here in Canada.