As it relates to shared equity, there has been very modest uptake on a flow basis that represents 2%, 3% or maybe 4% of our total flow, something in the low single digits.
I believe Canadians have a general reluctance to share any upside in their homes with the government. A variety of private shared equity programs have emerged on the marketplace. I believe the underlying premise that Canadians want to share in any upside is unproven at this point.