I asked this question in the earlier round and I'll open it up to anyone.
You talked a lot about the targeting. It's all relative, right? As I said before, if there's indebtedness, no matter what region you live in, if your debt is risky compared to your income, that indebtedness factor, that test, is going to be relative across the board versus if you start implementing it from one region to the next. In the case of Toronto, in the GTA, we tend to feel that if there are any changes in Vancouver, then the reaction pops up in Toronto, instead of there being a standard stress test of indebtedness. Is that not the type of target we should be moving towards? It seems more realistic to do something like that.