No, I would respectfully disagree with you. The Government of Canada had already taken on the risk the moment they insured the mortgage. All they've done is taken over the physical title to the mortgage, if you will. The bank has conveyed the mortgage. It is as if I sell my car to you. You pay me cash, I give you my car; you get the car, I get the cash. That is what the government has done with the chartered banks.
That money, whatever it is, the $75 billion or $125 billion, has gone into the banks so they can reinvest, re-lend in the mortgage markets and in the credit markets.