It's interesting. In a study that we just completed, when we asked millennials about, for example, the extension of the home buyers' plan so they could borrow from their parents' RSP, it was much less popular than the idea we presented today, which was to increase the tax credit.
The reason is that they don't want to take their parents' money if they don't have to, but certainly intergenerational support for home purchasing has been around for a long time. There's nothing wrong with it. However, to your point, in places such as Calgary where the economy is already pretty difficult, the stress test has had a very significant impact in that market.
We believe there are ways that the government agencies that are involved in this could calibrate the stress test so that it is still highly functional in those markets that are out of balance, such as Vancouver and Toronto, but would not be so punishing to places such as Calgary and Regina.