I'll move now to Mr. Taylor, from Mortgage Professionals Canada.
There are a couple of things in regard to some of the changes that have been made to the mortgage rules, in particular, the stress test. I've heard some pretty significant estimates in terms of the number of people who are potentially taken out of having the ability of home ownership, and also the effect this has had. You're essentially making policy. This government has been making policy, dealing with two cities in Canada, and it affects the markets in every other part of the country as well. We're seeing softening housing markets and prices going down, and it's becoming very difficult for people.
I think about my province of Alberta where people are struggling right now. Some people are trying to sell a home but they're going to have to sell it at a loss because things have softened up.
I wonder if you could just comment on that impact, and if you have seen that impact as well in terms of the number of people being able to enter the market and if it's having an effect on the prices in places where it obviously wasn't intended to.