Paul and Mark, it's great to see you again.
On the two comments you had about the stress test rate, the posted rate, housing affordability is a big thing. It's a big thing for millennials. It's rated as the number one issue for millennials and first-time homebuyers. Could you comment briefly on the current stress test?
Also, in terms of market dynamics, there is a technical issue. When you go to renew your mortgage—not refinance but renew your mortgage—how important for consumer choice and competition is the ability to go to another lender without having to incur the stress test?