In regard to this, it's just one more thing and it seems that OSFI has given a real tin ear even to this committee, because we actually recommended that they not proceed with any further major changes without actually digesting the current changes. So I think this is a difficult thing.
Obviously, in regard to your comments, Ms. McGuire, about the federal government needing to have a return to balance, we can't continue to spend and spend, particularly when we talk in Atlantic Canada about the demographics. We heard today from the Atlantic Institute for Market Studies that there is a disproportionate amount that a family here in Nova Scotia will pay compared with a family in Manitoba. I think it was a 20% difference, and 30% if you go to Saskatchewan.
What does the government need to do to be able to deal with that challenge?