(d) The federal government periodically implements measures for residential mortgages to either dampen or boost housing markets and to influence affordability or other social issues. Research and describe one of these measures. Provide a mathematical example of its impact in a typical hypothetical mortgage transaction. Has the measure had the intended result? (e) CMHC's policies on mortgage loan insurance are a major driver in Canadian real estate markets. Research and describe one mortgage loan insurance policy change implemented within the past five years. What was the intent of the policy and did it work? Provide a mathematical example of its impact in a typical hypothetical mortgage transaction. (f) Research what percentage of Canadian residential mortgages are insured versus uninsured. Discuss the recent trends for changes in mortgage loan insurance policies (if these are restrictive or expansive) and describe their impact on real estate markets.