Finance committee  I would not put it that way. I would say what we were doing was making the rules and the access for low-ratio to portfolio insurance the same as for high-ratio.

Finance committee  Yes, by all means. One of the things we did was to clarify the rules for the claiming of the capital gains exemption. This gets to be quite technical, so if you like I can provide it in writing.

Finance committee  In essence, it ensures that only those who are eligible for the exemption get to claim it. It furthermore ensures that reporting of sales of primary residences will from now on be made in all circumstances, whereas before it was only under the circumstance in which tax was owed.

Finance committee  I would not put it in those terms. I would say we understood that there would be some structural adjustments necessary in the marketplace as a result of the reduced availability of portfolio insurance to those firms that are dependent upon it to finance their businesses.

Finance committee  We knew there would be some adjustment in the marketplace over time.

Finance committee  If I may, I'll explain here that our changes have been made very much at the margin in terms of the access to the government's support for housing. In this respect, what we have done is change the rules for portfolio insurance that was used by these lenders to access funding. We