Dr. Robert Kelly:

Dr. Cassidy might want to add a little, but the way I see it is that it is in the first instance a commercial decision for banks to decide where they are on the risk scale. That is the reality, and there is a long history of how we have got to where we are. The answer here is not necessarily based on whether we should move from 60% to 80% but about how we understand all the components and de-risk the lending. That really comes back to other factors, such as infrastructure and having all the things in place such that we do not have the prolonged periods that exist. I am referring to more risk in the system and to having to gain more access to finance to actually deliver a housing unit relative to the other arrangement. The actual decision around the LTBs is for banks. It is a capital allocation decision in reality. Dr. Cassidy might want to add to that.