Thank you.
Just following up on that point in terms of lender support, ultimately if.... The competition is good. I don't think anyone is denying that fact. However, with the level of investment that Canada makes to allow for this competition through backing that insurance, as one example, changes or people's inability to pay, because sometimes those are the higher-risk individuals we're looking at there.... What would be the impact of the government's investment and Canadians' investment, in your opinion, if we didn't take these market risks and this debt load risk very seriously?
I think the earlier testimony pointed to maybe trying to ensure that there isn't too much of a good thing in terms of allowing too much debt to accumulate without really looking at the fact that, if we don't cool it off a little bit, people will out-borrow what they can afford with any market changes.
Do you see the risk to the overall investment as the real cause of concern if we don't protect and put these moderate tests in place to ensure people really can absorb those market changes?