It really is to ensure that when economic circumstances change, homebuyers can still afford the homes they are in. It's another type of a buffer to support household affordability and prudence in both the lending decisions and the buying decisions of households.
B-20 is a stress test applied in the uninsured space, and it is strictly under the purview of the superintendent of financial institutions, whose focus entirely is on the prudential supervision of financial institutions. The calibration of that test is such that it would prudently affect the lending standards of the financial institutions that are under the superintendent's purview.