With respect to the shared equity mortgages, it is in fact something that CHBA has recommended to this government and to other institutions as well. We think it's a huge opportunity to help people, especially those perpetually stuck in rent, and that's where we've seen it. We did a study of programs across Canada that help people get out of perpetual rent and into home ownership, and the number one way is through shared equity mortgages.
Is it a valid program? Absolutely. Our challenge now is that this will only address a small portion of the market. We certainly would hope that the projections are right, that it will help up to 100,000 people over the next three years. We're not sure, however, that this will actually be achievable under the current circumstances. In the meantime, we still see a need for the 30-year amortization for insured mortgages to help the rest of the market.