One program that we haven't talked about at all today is the innovation fund. It's one of those programs that are intended to drive innovations in the housing sector, whether it's construction or financing or any other. I think there's a great opportunity there. We just launched another stream of that. I think that's really important.
When you talk about working with municipalities and provinces, we feel that's really important. I would characterize it as working together and looking at ways that we can collectively...not just incent differences in municipalities but also how our programs can work together. There are provincial and municipal programs in housing as well. At CMHC we're constantly looking for ways to work with municipalities and provinces to better align the programs that we have.