Okay.
Again, some people might say that 43% is pushing home ownership, the goal and dream of many Canadians, away even farther.
Your predecessor mentioned once at committee that he'd like to see more different offerings of different types of mortgages. He said that we didn't have a variety of different mortgages that could meet different needs. Would you happen to agree with that? Should there be more innovation in the mortgage space than what we have today?