The short answer is yes.
Those measures, if you're talking about the stress test and the tighter mortgage underwriting rules, certainly had a country-wide effect. That's because they were aimed at making the debt levels that were being taken on more sustainable for the people who were taking them on, and then, by virtue of that, ensuring a more stable Canadian economy.
The extra measures that were taken in Toronto and the greater Vancouver area, with respect to taxes, for example—the foreign buyer tax—added to the drag on the housing market. In fact, Toronto and Vancouver were different to begin with, just because of price expectations being so speculative. You can see in some of the data that we have on price expectations just how high they were getting. Those price expectations were reduced after the taxes, after B-20. Then, of course, our interest rate increases had an implication for these too. That's what's underlying the dynamic in the housing markets in those two jurisdictions.