Mr. Chair, as I said earlier, the government is moving to reduce the exposure of Canadian taxpayers to the mortgage market and to reduce consumer indebtedness. The reduction of the amortization period from 40 years to 35 years to 30 years to 25 years is consistent with that.
What we do not want to see is a real estate bubble. There are a number of measures the government has taken in that regard, in addition to the amortization. Requiring a minimum down payment of 5% for new government-backed insurance mortgages, progressively lowering the maximum amount Canadians can borrow, and--