I suppose, as I said to your honourable colleague, that I'll never be satisfied; that's my job. I think you rely on us at CMHC to make sure—in fact, this is in our legislative mandate—that we promote financial stability and access to housing. It's a balancing act.
I don't know whether that will arrive, but what I do know is that with the economic growth we have in this country, increasing immigration, and the possibility of increased foreign investment flows and low interest rates, there is a lot promoting the housing market. Housing is now at an all-time high as a percentage of GDP in our economy, and all of these factors point to potentially too much of a good thing. It's that combination of factors that I would refer to.