Thank you, Mr. Chair. We have so much brain power here that I was a little bit disappointed that we didn't know that if you talk to any realtor, they are forced to disclose any transaction of over $10,000 in cash, and that FINTRAC is the one that tracks all of that. If some members are concerned about that area, perhaps we should ask FINTRAC to see what they do with the data. Now, obviously they are doing it with the lens more towards organized crime or terrorism, but whether or not that information is being referred to different decision-makers, I don't know. It would be interesting to find that out.
You had an interesting comment, sir, about co-lending. You said specifically that you're not always tracking whether or not someone has been given money so they can put a down payment down and where that would come from. Am I paraphrasing you correctly?