Mr. Chair, I have a question from somewhat of a different angle. It seems to me there's an asymmetry in this bill, which is a bit strange, especially coming from a Conservative government, because it seems to, in some sense, favour the government sector over the private sector.
My understanding is that the CMHC cap is now $600 billion, but it was $350 billion back in 2008. That's not a legislated cap. It can change, I guess, by order in council or through some other mechanism. The cap on the private sector is $300 billion, which now would constitute one-third of the market, and that's legislated.
If you want to legislate a cap for the private sector, why not legislate a cap for CMHC as well? Why is there this difference in treatment?