They're now mortgage free.
Perhaps you could give us some comments on the housing market in general, what you're sensing, or what CMHC is sort of sensing. We get comments all the time: there's a bubble that's going to burst, and people are buying houses they can't afford. Could you share a bit of your expertise and knowledge on that?
As a supplementary question to that, what is the solvency and status of the mortgage insurance business that you are doing? Are you still feeling fairly bullish about how it's working? I certainly know from the investment property side, where many apartment buildings are being bought and sold and CMHC mortgage insurance is backing up those mortgages, that industry is very pleased with that program. They give me excellent feedback all the time.
Perhaps you could take a few minutes to give us your sense on a couple of those things. Again, I appreciate your being here today.
Thank you.