Yes. I take the view that the government's participation in the housing market has been a net positive for Canadians. By virtue of owning 100% of CMHC, it is a public organization. It's an organization that, as people have indicated in some of the testimony I hear, has been very positive for the industry, and I believe that. But by virtue of owning 100% of CMHC—I'm going back now probably 15 to 20 years, if not longer—the government at the time wanted to encourage some competition to provide Canadians with choice.
