We can speak to the regulated space. We get a lot of data from our regulated institutions in regard to mortgage originations. I wouldn't be able to speak to specific data. I would have to bring in people who deal with that data on a more granular basis to respond more accurately, but in broad strokes, the credit profile of origination since implementation of the guideline has improved. There's a variety of metrics we look at in that regard, but overall, the profiler risk of new origination since implementation of the guideline has trended positively.
