Factually, I did say words to that effect. Also, factually, investors as a percentage of homebuyers are higher than they've been traditionally.
We have a free market. We have a free country. We have a housing system wherein Canadians, if they choose to invest in a second or third home, can do so if their banks will underwrite it. That comment specifically related to that reality in the context where OSFI has to make sure—knowing that happens and knowing that this activity is at a greater percentage now—that our housing finance system can absorb the volatility that might follow that activity.