Having alternatives to the traditional banks for a mortgage allows a market to be served that may not otherwise be served, and maybe at the right price. That market is related to people who don't have a long credit history but over time could get one. I think it's a very important market.
It is true that the more constraints you put on the space regulated by OSFI, there is the possibility that it would spill over to other forms of lenders. I think the question there is whether or not those lenders have as rigorous underwriting processes. That's a question sometimes for provincial regulators that are well-equipped to answer that question, not us, and as well, the institutions themselves.
The fact that the price is higher may reflect the fact that the risk there is also higher. Sometimes we think about, what's the right decision for me as a homebuyer today? What makes sense? What price do I have to pay? Some of these ways of thinking about what you can afford over time take into account situations where things don't happen the way you'd like: interest rates rise or the price of your house falls. I think these longer-term rules can serve to help households over the longer term in having a sustainable level of debt.