Those decisions will be made by the Minister of Finance, not by me at all. We will implement them, but they'll be made by the Minister of Finance.
The particular exchange I think you're referring to, sir, relates to the fact that we, as an insurer—CMHC—had to make a decision about the applicability of the B.C. home ownership program as a form of adequate down payment or not. We charge a surcharge in the case of unconventional down payments, such as a loan. Because it was a loan, as opposed to the shared equity mortgage program, we thought it was unconventional and we charged a premium on top of it.