I would say that we are concerned about the development in these innovations and their increasingly widespread application. I wouldn't go as far as the way you've posed the question in terms of making any direct comparison to the situation in the United States.
Really, the CMHC and the mortgage insurers are best placed to speak to this, but our understanding is that the vast majority of people who are taking these longer amortization mortgages qualify under a traditional 25-year amortization mortgage. That said, they add to momentum in the housing market, and if everyone has a 40-year amortization mortgage, then we just have higher house prices and the same affordability.