That dampens price competition: independent brokers originate less than one-third of the mortgages in Canada, compared with up to 70% in America during the bubble.

• 这就抑制了价格竞争：独立的经纪行（证券行）只造成加拿大全国不到三分之一的抵押，而美国在泡沫时期竟高达70%25。