I can take up that one. What CMHC...and I think the finance officials call them sandbox measures. They tend not to consult when they implement them, and they usually play with the parameters around eligibility and things that are already in place. When they do move to actually change the structure of the regulatory regime, whether it's through OSFI or..., then they tend to consult on their guidelines and there's time there. But the sandbox measures all the way along have tended to surprise us.
On January 30th, 2017. See this statement in context.