Yes. Nobody can predict rate hikes, but one of the things we asked for early on—and I think it was expressed in the article you mentioned—was that there should be a cap on the B-20 because if interest rates rise, at a certain point the market regulates itself. If interest rates are at 5% and you have to qualify for an additional 2%, now you're at 7%. You really don't need to go beyond that because the market regulates itself.
On May 9th, 2019. See this statement in context.