Thank you.
In terms of the 40-year amortization, that was introduced in the marketplace in October of 2006, as you said quite correctly. We came in with our offering in December, and 2006 was the year that extended amortizations were introduced. CMHC has been in the mortgage insurance business since 1954 and has always worked with its lenders, and also Canadians, to ensure that the products meet the demand.