Great.
Mr. Siddall, the first-time homebuyers incentive, which of course the government is putting money toward, is kind of in direct conflict with your new rules on mortgage eligibility. One of them fuels the housing fire and the other one stamps it out. I wonder if you could give your thoughts on that.
Why do we have taxpayers' money going toward inflaming the market when at the same time you've introduced new rules to dampen it down?