You also mentioned that the growth of household spending could decline because of certain tools the government has implemented. We know the government is currently privatizing the CMHC, in a certain sense, by opening up the market to competitors offering a broader range of services. Could that not lead to greater household debt or the possibility that families will be forced to default on their payments?
As for the CMHC, its role is opening up somewhat. The market has been opened up to competitors that offer additional services. We have seen this, of course, and that is why the CMHC—