I wanted to ask you one last quick question on a related but separate matter.
You talked about the shared equity mortgage proposal that the government has come forward with in budget 2019. You've said that those who are slated to take advantage of the initiative would have been able to get mortgages anyway, but at what rate of interest would you say that would be, on average, for the people in that category? Would you have a number? Have you looked at that?