Canadians work hard to pay that mortgage down and to build up that equity, and because of these changes, the vast majority of our lenders now can't do that because they are doing what we talked about with bulk insuring and selling off their books. They're not allowed to insure or refinance, so the client can't do anything except maybe go to a big bank that is going to probably charge them a higher rate because it's going to be a smaller and smaller group of people who can do that for them.
It doesn't make any sense to me. A lot of the times refinancing is what we use to invest back into the economy, build businesses, do good things, and buy rental properties.