The insured mortgage purchase program is intended to lift mortgages from financial institutions' balance sheets. That's run by Canada's treasury. What we're doing is substituting Government of Canada securities on the banks' books for mortgage-backed securities, which were already insured by the Government of Canada on those books. The risks implicit in these were fairly well understood. The reason for doing this, however, was to create improvements on the margin of the amount of certainty that other institutions, both in Canada and abroad, feel about the quality of the balance sheets of Canadian institutions.
