I can't predict what the banks are going to do, Madam Chair. If the Mortgage Investment Corporation will, if nothing else, encourage them to become more active, then I would be very pleased with the end that we've tried to achieve. It's hard at this stage of the game for me to predict what the banks will do. I know that from my own experience -- and I don't want to be disrespectful to the banks -- we've seen a new change in attitude, particularly with the Royal Bank lately that has opened offices in Cambridge, Rankin and Iqaluit. There are some encouraging signs out there but, in all honestly, I couldn't tell the honourable Member what position they might take at this time.

Assuming we can get this approved by enough Members, I'm prepared -- and I've said this to some of the bankers I've been talking to -- to sit down with them, talk to them and see where we all play in this mortgage game. Thank you.