That was the point I was going to make. But it was not a niche product; it became the norm as a consequence of that.
I think what happened here, quite frankly, is that the long amortization and an expectation of lower interest rates for longer combined for people to forget the fact that mortgages are going to reprice every five years, even if they have a fixed-rate mortgage, and contributed to those...let's say roughly half the mortgages' long amortization, which is why it was necessary for the government to tighten these.