—because as vibrant and important as our real estate market is, we need to ensure that it is wholesome. I'm going to use the word “wholesome” today, if I can. We need to ensure there are no games going on, because millions of middle-class families across this country work very hard to purchase their home—whether a condo, townhouse, or detached—and we don't need to have people doing things and using ill-gotten gains or whatever to purchase their home here in Canada. They're more than welcome to study, work, or whatever, but the other stuff I don't have time for.
Mr. Jason, you referenced your expertise on the regulatory front. I would love to hear your opinion. We have a number of regulatory agencies that banks have to deal with, one of them being FINTRAC. Can you opine on that relationship and on what you see may be going well and what may not be going well in terms of going back to a principle versus rules-based approach?