In terms of tailoring, if we want to have policies that are really tailored to specific markets, they would have to be more along the lines of provincial policies or even municipal policies. We've had some of that. That's the only thing I can really offer here. Again, I would go back to the idea of indebtedness and the fact that indebtedness is due not only to mortgages but also to consumer loans. Some people have high level of debt because of that. That's an important fact to keep in mind.
