I won't argue with the question or the logic that the member presents. I think it's something that we are looking at in the department, in terms of lender risk sharing, so that there's an appropriate distribution of the benefits and the costs across the spectrum of that agreement. That's only to say that things like the mortgage-backed securities program allow a securitization of these mortgages so that the benefits or the exposures are spread not just to banks, but are held in mutual funds and pension funds. It's not just the lender that gets any sort of exposure benefit to that. However, it's definitely something we're looking at.
On May 19th, 2016. See this statement in context.