Okay. In the lead-up to B-20, if you look at the CIBC economic report, it shows that the average mortgage origination done by someone with a credit score of 751 or more—which is an excellent credit score, better than mine, honestly—was going up; it was about 52% of all mortgage origination. It also shows the market after B-20. It didn't affect the size so much but it excluded a lot of people, which confirms what you said, Mr. Lee.
Do you think B-20, in the form it's in, was a wise decision by the government?