Thank you very much.
First, I would separate two separate issues from the.... Obviously, banks provide capital. They provide capital to individuals to buy homes and also capital to developers to produce homes. Right now you also have to think of demand. What we heard from earlier testimony was around the rules and regulations. For example, chartered banks are subject to the risk-adjusted provision of capital for these activities versus the demand that's out there. Obviously, the banks we represent have a very big role through both of these channels, in both helping Canadians purchase homes and helping project developers build them.
What we've seen, including from the economics department, is that we have taken more of an advocacy role in the policy space as well, weighing into looking at some of these issues, some of the numbers, in terms of that longer-term trajectory that we're on and looking for policy solutions that benefit all Canadians, because a thriving economy is good for Canadians and it's good for banks.