Finance committee  We see the markets as two completely separate markets. We believe that prudent measures taken 10 years ago and those taken recently are important to ensure the sustainability of and confidence in the Canadian housing markets. When you were able to refinance a home at 95% of the v

Finance committee  Thank you, Mr. Chair. Good morning, ladies and gentlemen. My name is Mark Kerzner. I am the immediate past chair of the board of Mortgage Professionals Canada. Along with me is Paul Taylor, who is the president and CEO of Mortgage Professionals Canada. Mortgage Professionals