Mr. Chair, in this context I can only speak from my own perspective as superintendent, rather than for the government as a whole.
When I look at this from the perspective of superintendent, we have created a space for banks to lend, and they're being supported on the liquidity side, as I mentioned, by the Bank of Canada and CMHC. At the same time, banks remain commercial enterprises, and they're responsible for their own underwriting. They need to take reasonable risks. In this context, where it's very difficult to predict the future path of the economy, where it's difficult to fully assess the creditworthiness of enterprises, the fact that the government is coming forward to provide support to bank lending by taking some or a large portion of the risk onto the government's shoulders, it has clearly made it more likely that banks will be able to meet the loan demand presented to them.