I agree with you completely that there's a housing crisis, that what is happening in the country is very sad, and that people can't afford the homes they need. I don't agree that it is CMHC's responsibility to solve that on our own, because we don't have the resources or the mandate to solve that on our own. We have a mandate to deliver programs on behalf of the government, which we do. We meet our service standards, and we fulfill our objectives and our mandate as defined by the Government of Canada.