Yes, those were pretty strong views.
You did mention in your opening remarks that you wanted to look at adjusting your underwriting policies. I presume you meant to make them more strict, but I want to hear from you just to get clarification on that; and also whether you anticipate CMHC premiums will go up for consumers as well. In other words, is it going to become more expensive and more difficult for Canadians to attain the dream of home ownership, or is it going to become more difficult because of these factors?