On the matter of CMHC and the notes, I've had a meeting with the CMHC officials and they've clearly indicated that their hands are tied. Because of the nature of the mortgages being closed mortgages, they have to recover it all.
I'm not blaming CMHC. I gather that if the government were to direct CMHC to behave differently, the money these mortgages represent, mortgages that are at fairly low rates now, could easily be relocated and engaged in other matters.
As a financial expert, would you believe that's possible?