Mr. Chair, I do not make forecasts and I am not a market prognosticator. What we have said is that the government is focused on providing long-term stability in Canada's housing market and, reflecting this, the government has adjusted the rules for government-backed mortgage insurance on four occasions since 2008.
The most recent changes were implemented in July of 2012. There were more changes more recently, and I can run through those changes for the member.