Thank you very much.
Mr. MacKenzie, you were talking earlier about the three points on which you think that policy should focus. I agree with you that the debt service ratio should be the focus of our attention. Then there is cash flow insolvency versus balance sheet insolvency. However, you didn't have time to expand on the third point you were making: the move to mid-sized cities or encouraging the mid-sized cities. Could you perhaps elaborate a bit on that?