There's a lot in that question. I'm satisfied, Mr. Brison, with how the FISC committee works and how hard it works, and how it gets the job done on behalf of Canadians, watching out for danger signs in our economy on a macro level. I'm also very satisfied, I must say, with the work of the Office of the Superintendent of Financial Institutions with respect to supervising our federally regulated financial institutions in Canada.
There is no evidence of a housing bubble. We have been concerned from time to time and we watch carefully. That is why twice now we have tightened up the rules with respect to high-ratio mortgages, particularly with respect to the size of down payments and discouraging speculative properties being used for high-ratio mortgages.