One thing I'm having trouble reconciling is that you have CMHC, on the one hand, tightening underwriting requirements, and yet through—and I'm not arguing that we shouldn't have the emergency programs—the BCAP you have banks, and commercial loans are being either joint ventured with the federal government or guaranteed, and so loans are being made that wouldn't normally be made under typical circumstances.
Can you reconcile for me why there are two different approaches? Why is one branch of government tightening its underwriting requirements while essentially another branch is loosening its underwriting requirements at the same time?