Thank you.
In terms of this B-20 test, though, I think it also applies when someone is renewing a mortgage, and I guess we probably haven't had much opportunity to see the impacts there yet. Certainly, we can tie people into situations where they're actually going to have to pay a greater rate for their mortgage, because what happens of course is that if they're not able to qualify under that new test, they can't move to a different lender. They can stay at the lender they're at, but have we looked at whether that's actually driven up the rates of the renewals? Obviously, if a lender knows they have that person captive now, because they're not able to move, they're probably not going to offer them the same kind of rate as they might if they were competing. Has that driven up those rates?
We're not talking about discouraging people from getting into debt they can't afford at that point. What we're talking about is someone who has put down a significant amount in a down payment and is now stuck with one lender and it's driving up the rate, therefore costing them more money, but not really having an impact on debt, of course.
Have we seen whether there's been any impact in that regard?