I think in terms of the first-time buyer, who typically has to put together everything they can just to make the minimum. If they are told that if they have their 20% or their 21% but they could go with a bit less down and they would get an interest rate that, right now, in some cases is up to 40 basis points better than the conventional rate, they would opt to do so if they had that incentive as well.
Is there any concern about the extent of some of the changes that have taken place, that the competitive pressures will eventually drive borrowers away from lenders who are regulated by OSFI, the federally regulated financial institutions, and into other types of credit, which will be higher interest rate credit, and with all the consequences we've already talked about in the spillover into the rest of the economy?