Thank you very much, Mr. Chair.
I would like to thank the witnesses.
At the last meeting, in response to a question similar to the one Mr. Liepert just asked, I asked the witnesses if they had been consulted as a rule before the federal government made the changes to the mortgage rules. There have been ten or so changes since 2006. Have you been consulted as a rule or not?
Mr. Taylor, you may answer briefly.