That's fair. My understanding is, though, if you do not accept the original amortization term you need to requalify. I think this is where we're going to get into a problem. If a house price falls and you need to requalify and it requires an appraisal, or, for whatever reason, your financial situation changes, my understanding is that the rule for OSFI—and I understand this would be a good question to ask OSFI—is that you need to requalify on the B-20 guideline. I'm interested in learning more about that, but I appreciate it.
The percentage of mortgages that are actually over 35 years in amortization have actually jumped substantially from 0% just a year ago. At some institutions, 25% to 30% of their mortgage book is now over 35 years. Do we know, or does the Department of Finance know, how many of those mortgages are insured?
Of the 25%, say, that are over a 35-year amortization at an institution, how many of those are insured?