Okay, but it's just that about 39% of loans in Canada are done outside the traditional banks, and that's quite a big lump. In fact, when we had a briefing from officials from the Department of Finance in October of last year, we were told that consultations were only done with the larger banks. We've received a briefing note—members can see—from Dominion Lending Centres, which says that the government is actually taking away the refinancing option from Canadians because of these new rules. Hey, I'm just reading what the briefs here say.
I'd appreciate it if you could clarify this, but I'm worried about affordability and also about the competitiveness of the mortgage industry in Canada. We have to be able to give young people an opportunity to join the 69% of Canadians who enjoy home ownership. I tell you what, it's spinning it. We're trying to think of people by not letting them get into debt, but that's not how they feel. They feel they're being denied an opportunity that their parents and other people were given. I'd be quite surprised....
How much time do I have, Mr. Chair?