What I would add is in relation to your comment about the nature of our regional markets. I would say that the policies that OSFI has introduced around residential mortgage lending are regionally neutral. A good loan is a good loan regardless of where it's written. It has appropriate serviceability, it doesn't over-rely on collateral, and it takes account of the borrower's capacity—all of those things.
I think the fact there are externalities and issues that are unique to some of the housing markets in Canada is true, but I think that underwriting sound risk management and capital-reserving appropriate for risk is pretty universal.