Yes, because time is limited.... In the last session, our government did a lot. We moved the needle a lot on interprovincial trade. There's much more to do, and we need to continue on that path.
I'm happy to see that the senior deputy governor identified interprovincial trade barriers, increased education and skills training, which was a centrepiece of number of our budgets in the last couple of years, more R and D spending—and we know where we stand on that—and efforts to optimize the tax and regulatory environment. On the tax front, in a prior pre-budget consultation and in our report that we generated, we did identify a comprehensive tax report as very important.
Moving on to Mr. Taylor and Ms. Taylor at Mortgage Professionals Canada, I just wanted to get an update on the speech that was given by the individual from OSFI on January 24. There were comments made that “the difference between the average contract rate and the benchmark rate has been widening more recently, suggesting that the benchmark is less responsive to market changes than when it was first proposed”. What's the difference as of today?