It would certainly be a lot simpler. I know from speaking to some of the banks that having to implement the systems for the various calculations was a very expensive exercise and it can be difficult to explain to potential homeowners, as well, so having a simpler approach might be good.
As I mentioned in my remarks, we're pleased to see the language in the budget. What we're hearing from our membership across the country in various markets—and I'd emphasize that it's not one single market in real estate, yet we have a single stress test—is that it really is having a very significant impact. When it starts getting past the tipping point, sometimes the people who are looking at the data find out too late, but the people on the ground see it in real time. That's why it's really important to be extremely vigilant on this point.