But, Mr. Campbell, why do we have to have all these new rules, while you should be more cautious with your clients?
When we knock on the door for the first time at a bank, all of us are a bit nervous. I'm sure it was the case for you; I can tell you it was the case for me. I had the chance 25 years ago. I had a mortgage, a good one, I'm very pleased with that, but I could have gone higher than that, nearly twice that. They said, “You have really good wages, your wife too, so you could have gone a bit more.” It would have put me in jeopardy. Don't you think that you, as bankers, should be more cautious with the young people who are knocking at the door, instead of having those new tests implemented by the government?