For the committee's further consideration, what we just argued about shows that when the government wants to change the direction of this committee, we can still have an extra hour or two to make sure we hear from people, because we are technically masters of our own domain.
Also, just be mindful that we heard from a monoline lender, from the Credit Union Association, and we heard from the banking association. We heard from an individual mortgage broker, but we did not hear from an individual bank or an individual credit union. I will say that I have received inquiries from other financial institutions that want to talk about this. Again, it is important to have someone in Ottawa to be able to make representations, but they do not deal with the clients, and I think that's an important point.
If the government side is willing to have an extra hour where we can allow some of those voices.... I agree that we've heard a lot, but it may behoove us to talk to people who deal with people on the ground in a highly localized market, rather than in an aggregated view.