You have to love the press and articles such as this.
They complained that there are too many high ratio mortgages not to long ago which are deemed high risk. Now more Canadians are putting more money down and as a result there are less high ratio mortgages. Now this is deemed risky. Why don't we all just rent and maybe we'll all be happy. Wait we can't do that, the landlords still need to,purchase houses so people can rent.