Mr. Lee, I want to thank you for being here today. I think the housing industry is such a fundamental industry in the country in normal times, but in terms of economic recovery, certainly this sector ranks up there with oil, gas, agriculture, and others.
A couple of weeks ago, we had the president of CMHC on the panel, and he was saying that pricing, down payments and credit scores were on the table. When I asked him about it, he said they were considering the possibility of restrictions, making it even more difficult for Canadians to qualify for CMHC-insured mortgages. I'm just wondering what your thoughts around that would be, and whether you think this would have a negative impact on the recovery.