Okay. Anyway I was just getting to the punch line.
Right now, I think we have to be a bit careful implementing anything federally, partly because the housing market is slowing. If things do pick up, then things should be looked at. Obviously, looking at the mortgage rules is one thing--CMHC and the other mortgage insurers and the kind of mortgage rules. But I agree with you, the banks do have a responsibility. Generally, we need to dig deeper and understand the implications of these lines of credit. And I think there's an onus on the banks as well to look at whether it is a first-time buyer issue, that generally first-time buyers do use mortgage insurance, or is it tied to the lines of credit? From a bank perspective, I think there's an onus on us to dig deeper into the information and look and see.