Okay.
Mr. Routledge, with regard to variable mortgages, what type of oversight does your entity have of the banks in terms of prospective buyers? Hypothetically, I guess, if the banks were more inclined to prefer variable mortgages, what type of oversight would you provide in that situation? With variable mortgages and the climate we have now, people are going to be paying through the roof; they already are. What type of oversight would you provide for that part?