I'll make two comments. In order to temper the marketplace and to ensure that consumers were acting in a prudent manner, I think it has had the desired effect. We've seen some slowdown in the overall activities, so it has had its desired effect. Certainly, in our projections for next year, we think it will be a very, very stable market, but we think it's important to maintain that stability and to not diminish the marketplace.
It has been a driver, certainly, for the Canadian economy, so we think the measures that were taken were prudent ones and have had the desired effect, and we would recommend staying the course.