With regard to the $300-billion increase, everyone who applies for a mortgage still has to qualify. The criteria are still the same. When we talk about that increase, it doesn't change the fact that our government has put in place some stricter measures to protect against people who are going into too large of a personal debt. That is why we reduced, as Ms. Nash said, from a 40-year amortization now down to a 30-year amortization. Under this government we've made a number of changes, and I think they reflect well toward reducing the personal debt of Canadians.
Thank you.