Mr. Speaker, I did say at the time, and actually this was also a recommendation from the Consumers' Association of Canada about mortgages, that generally CMHC serves people fairly well in terms of second mortgages. There are downsides. I agree. I know that we have seen people get into the market, then the interest rates go up and, the member is right, they end up paying the bank a larger amount.
What we are not doing, and I am talking about this as it pertains to the Bank Act, in any place that I live in or see is building homes that are in any way affordable or off market. It is one of the ways to do this. Maybe we do not do it across the board. Maybe we have to do very careful assessments, as we would with any mortgage. I am not saying that I think this is full of advantages and that there are no disadvantages. I take my colleague's point. There are downsides and there are risks in this as well, but at 75%, we are really the first generation in history whose children or grandchildren, depending on our age, will be less well off than we are. So for--