Speaking of the United States, we certainly don't want to see the same problems they've had in the housing market. I know this is something you've been very concerned about as well.
As a government, we've moved the period of amortization to 25 years. We've also taken some steps with CMHC and the new supervision of the Office of the Superintendent of Financial Institutions. How do you feel these two things have changed the situation? Are we stronger? Are we in a better position to not run into the same problems they've run into in the United States with the housing market?