Before you answer, I just want to tell you where I want to head with this. The fact is, we are in a bit of a conundrum. We're seeing that provincial measures might be more efficient than federal measures, because they don't cover wall to wall. On your side, those regulations, CMHC banking regulations, are federal in nature, so what should the federal government do to ensure that there is no formation of real estate bubbles in some markets? How much power should be given and what powers should be given to the provinces to more adequately address those local markets and the decisions in those markets?
