I just want to circle back to a line of questioning that Mr. Chambers was asking about earlier. You admitted that there's an imbalance and that people with uninsured mortgages have to have their credit reassessed more than those with insured mortgages. It really is kind of backwards, as Mr. Chambers pointed out, that people who have better credit and more equity in their homes have to go through that. You're saying here there's an imbalance, but at the same time you said you don't plan to do anything about it.
Are you okay with a certain group of Canadians being treated unfairly when it comes to their mortgages compared to people who have insured mortgages? Is that okay with you?