Okay, so this is hurting the economy. It's hurting consumers, because I hear from them in my riding. Particularly when I talk to people in Vancouver, it's crazy. It's making it harder for people to get good rental housing. Obviously, the competitiveness...and Mr. Taylor's really touched upon this as well. I'm concerned that because not only will it put many of the monoline lenders at risk—and by the way, that means less competitiveness—but what will it mean for the market, for Canadians in 10 years?
We've heard from other people, credit unions, who say that they have to add a risk premium to things and they can't do it because they are not allowed to retain earnings. To me, that whole end of the market will shrink. Where will we be in 10 years as far as competitiveness and prices are concerned?