Thank you very much, Mr. Chair.
Thank you very much for coming here today.
I do want to clarify something, though. The opposition asked an interesting question about policy direction, but we've been talking about forbearance. I think you know the opposition voted to put a six-month moratorium on the implementation of the policy direction. Given that date, which I think was March 1, and given that the minister tabled the policy direction--I believe he listened to what you had to say, and moved forward with it--do you think waiting an extra six months was a good idea or would have been prudent? I'm talking about the policy direction now.