Thank you.
I just want to clarify this point. I want to make sure I understand it correctly.
The Government of Canada in 2006 decided to move to the 40-year mortgages. My understanding, and correct me if I'm wrong, is that it's not the government that makes the decision to move there. The government either allows it or doesn't allow it, but the government doesn't say “Here's a brand-new 40-year mortgage for you.” The finance minister of the government doesn't do that. It's what is allowed or not allowed.
Am I correct on that? I think we need to really clarify this point so that our committee members fully understand this.