This is just a point of clarification about a comment you made earlier in the discussion. When you began, you said that this problem was “made in Canada”, but near the end, when you were questioned by another member, it seemed that your stance changed a little bit. It seemed more that, you know, the opinion of economists changed over the last year or year and a half, which I believe you said, and I believe that to be true. I'm just wondering about the ballooning housing crisis here in Canada. It seemed like you told another one of the members here that it was a global phenomenon, but in your introduction you said that it was a made-in-Canada problem.
Could you clarify just how much of this is actually a made-in-Canada problem?