I would simply say that while real estate markets are local, there is interaction among national-level players, provincial-level players, and local-level players. It's important to engage all of those in developing solutions that respond to markets, whether they are particularly heated markets like Toronto and Vancouver or other markets that may be facing some challenges or that are more stable. Unfortunately, it's a very complex set of interactions.
Again, we fall back to the base principle that the regulatory framework that's been in place federally has served the Canadian market well, and building on that seems to make sense. History has shown that it has worked well in all Canadian markets across the country.