I do want to add that I looked at and read B-20 and heard commentary from every single stakeholder there is in the housing market. You may well know I put forward a number of recommendations on B-20. I think it was very prudent for the Minister of Finance along with the team to mention it in the budget. It was a measure I feel was appropriate to be introduced at a point in time. Now we need to revisit that point in time and it is under OSFI's direction and discretion, I understand. My personal view is that we're at a different point in the housing cycle now and we need to continue to monitor that data.
How would you feel in terms of having the stress test actually be a single numerical amount, e.g., 4%, and be it a cap and a floor, so if rates go down below 4%, you're still at four; you're stressed at four and if the rates go above 4%, you're still stressed at four?