I can see how it works for home mortgages, etc., in terms of IT transformation and I notice that you guys have implemented new technologies. I have been speaking to some of your staffers in British Columbia in terms of the new housing strategy and they have told me about new portals, etc. I'm just a little cautious and worried, when you have a portal that is calculating everything in terms of large projects and there is no human touch. Is that a factor?
I can understand on a normal home that's CHMC mortgage-insured there is probably a formula that plugs it in and calculates to see if you qualify based on your T4, etc., but when it comes to large projects, particularly, say, an example would be the affordable housing initiative, would that be all done by an IT algorithm or would it be done with a human touch? Otherwise, there will be hesitancy among people to actually submit applications or there may be biases created when people figure out what the algorithm is to approve their projects.