Thank you. It just blows my mind. I am glad that he thinks it is reasonable. I am glad that he thinks it is moderate. I am glad that he thinks it is minor. When he talks about getting a mortgage, well, you lock into a mortgage for a period of time, unless you don't want to lock into it, depending on the market. He said we didn't do it for 20 years. Well, why are people being punished now? Could we not look at gradually implementing it? Thank you, Mr. Chair.