Okay.
When it comes to talking about putting more of the risk onto the private sector vis-à-vis what Ms. O'Connell was mentioning, that's a policy choice. In Canada we've always taken the policy route that we want to make cost as efficient as possible so that as many people as possible can own a home. That's part of the Canadian dream, so to speak. Again, 69% of people have very successfully done that and built up a lot of equity.
In regard to that and any future changes, that to me would say that if we're going to bring it to the private sector, the private sector will say, okay, if there's added risk to it, then we're going to price that in. Will that make the market ultimately more expensive and not just less competitive, as we've heard?
This is open to everyone.