Okay, I appreciate that you don't really want to answer that question. Quickly, I'll go to the MLI Select program.
This is one of those great programs that have actually worked really well in your organization, yet your organization recently made a minor change to the MLI Select program. You've effectively increased the penalty for when multi-unit builders pay out their CMHC mortgage. It's an increase of about 300%, which means it actually discourages people from paying out their CMHC mortgage and reduces liquidity in the market.
Why would you make such a change, especially without consultation?