Thank you, Chair.
Ms. Bowers, I'll go back to the issue of supply.
Moving from the general to the specific, I want to ask you about the Canada mortgage bond. What is the Canada mortgage bond? I know it's a very general question, but when people hear things like what recently happened with the changes made to the annual limit, how that relates to housing and what that will do for supply, the pieces might seem a bit fuzzy to them, so could you touch on those things?