That's interesting.
The other angle that concerns me, and I want to hear your thoughts on this, is with regard to the government's equity portion of this. I know it's hard to imagine in most markets in Canada right now, but there are times when housing prices can decline. We don't know the details, but if this were to end up being such that we would be exposing the taxpayer to some risk if home prices were to decline, would the government's share of equity also decline? One would assume that would likely be the case.
Given that you've already indicated that you don't see there being a lot of take-up here, is there maybe more potential risk to taxpayers than there is potential benefit for anyone?