Comment: I wish I had your confidence re. CMHC, which I think the lenders are circumventing. With the average price of housing being what it is and the average median family income around 75k, something does not add up, here. I think that transitioning to service economy is a fool's errand as such economy is parasitical in nature and it cannot offer predictable growth potential nor wage and duration stability. In the end, the healthy mix of resource and manufacturing is vital and a necessary footing for a service sector. The service economy cannot exist by itself, in the long run.