It seems to me the government wants to off-load some risk, so it seems to me that what is perhaps underlying some of their portfolio is the fact that maybe we have too much risk applied to what could happen in a market disaster to the taxpayer. I'll just make that as a comment.
Mr. Hogue, you were introduced by your colleague as being an expert in the housing field. When you look at affordability, when you look at first-time homebuyers, when you look at the profile, if it was a pie chart like you see on the gas pumps of what the costs of a new home are in terms of builder input, materials, labour, land, development charges.... I've made my own pie chart: land, labour, materials, financing costs, profit, and the last one is government-imposed regulation, fees, and taxation. What is the percentage of government fees, regulation, taxes, and imposed fees?