I could probably get a much more technical answer from one of the insurers that belongs to our association, but at first blush, I would say that I don't think there's any real additional risk. Because the insurance already existed on the mortgage, in the event that there was a downturn and somebody had to default, there would be taxpayer liability already.
On the potential for regional depreciation, I think the current regulatory environment in the mortgage marketplace is such that it has actually created pretty significant equity erosion in quite a lot of markets. It's not difficult to imagine. I just came back from Regina, and there's quite a lot of activity reduced there.
If we don't try to address the restrictive marketplace measures that are there, we create a bit of a self-fulfilling prophecy that drives prices down, and that potentially creates a problem. We really need to look at an equilibrium through the current stress test to make sure that we're not continuously choking down. I know that critics say that we're trying to add fuel to a fire. We're really not. We just want to stop pouring so much water on it.