We tightened up mortgage periods to make sure that people were capable of covering their debts. They had to qualify for a five-year mortgage, even if they were only applying for a one-year mortgage.
We think that's only prudent. Certainly there are concerns with the condo market. We're concerned with it too and encourage people to be very cautious and make sure.
We're certainly not wanting to slow down the housing sector. The housing sector is a huge job creator in this country. So we want to be cautious; we don't want to disincent people from buying a new home or from buying a condo. We just want to caution them to make sure that they can handle their payments when they take them on.