Mr. Chair, on the CMHC, the government has to respond. It's all about financial stability, and the government has to respond. It's responded significantly in the immediate past—July 2008, February 2010, and January 2011—in respect of what's taking place with the world economic crisis as well as what's happening in our domestic market. As a result of that, we have to always be at the forefront of change and flexibility to make sure that the people of Canada have the best financial security in their CMHC-insured mortgages, which is obviously a very significant part of our borrowing structure in Canada. As a result of that, I think these changes are necessary.
As well, I think the government will continue to respond on a case-by-case basis as necessary, depending, of course, on the fluidity of the market and the continual need of Canadians to borrow, and also the security vis-à-vis the rest of the world economy.
As a result of that, I'm in support of these changes and think they're very necessary. As well, I would encourage the government to continue to do that and respond accordingly as is necessary, given the economy and the economic conditions of the rest of the world.