First, this question of the balance between access and financial stability is a core concern of CMHC. It sits in our legislative mandate that we're to attend to both. We worry a fair bit about achieving that balance.
Go ahead, Michel, if you have it there.
Michel Laurence, who just approached the table, is the person responsible for this, and has done a very good job in trying to close what we've identified as these data gaps. Michel will just share a little more.