Exactly, and you've raised the spectre of appraisals. We are definitely comfortable with the appraised values. We ensure at CMHC...and I'm sure that our competitors are also doing their due diligence in terms of the appraisal values.
To support my colleagues' response in terms of the house price escalation, the price increases, there are a variety of factors, and foreign investments have been getting a lot of press, but they are not necessarily the biggest driver of house prices in Canada.