Thank you.
My last question is for the Office of the Superintendent of Financial Institutions, OSFI. You monitor how lenders practise, how they approve mortgages, how they decline people. On a practical level, as Canadians walk into a bank or a mortgage lender and apply for a mortgage, they have to prove their income. I've heard stories, especially in my neck of the woods in Brampton, that income verification isn't as stringent as it needs to be. The documents are provided and that's it. There are no follow-up calls; there's no practical analysis; and fraudulent documents are having a big play in the approval of mortgages. This will very much be a regional problem, but is something that your office is looking at?
I ask because if I feel there's going be a risk to this whole thing from people getting mortgages fraudulently.... Yes, they may be working on cash businesses and may have the money to meet their short-term requirements, but if something in the economy were to change, for instance, if we were to have an economic slowdown or resource prices start to go down, those people would be the first ones to leave. That would not be to the extent of what happened in 2008, but it's a real risk for the Canadian market in certain regions.