You mentioned in your opening comments, I believe, the need for a more universally accepted building standard in respect of R-value and emissions overall.
I'm just wondering, if we were to have that in place—and I'm not suggesting that we have to wait for it either—is there opportunity? If we're thinking about a mortgage product, for instance, is there an opportunity to try to think about structuring a product that consults the purchaser of a new home proactively about the cost involved and incorporates some of those costs into the mortgage of upgrading insulation in a house, changing the heating system, installing solar panels, particularly if there's a two-directional metering system? Is developing a product like that just a risk for a financial institution, or is there some real opportunity in that?
I think we're used to seeing this as an extra expense and something that is just going to cost money, but is there a way...? Particularly if the industry comes along with better standards, and if it's incorporated more into the regulatory environment, are there opportunities for money-making for financial institutions in this, and are there opportunities for savings for consumers, even as the financial institution that's funding these things is making money?