I would just add that we certainly consult regularly with the Department of Finance and, to Alex's point, provide a lot of data. Because we're specifically in the high-ratio space, we often get a sense from them on areas that they're exploring and can guide on potential impacts from that. This example in October of last year was one where we were absolutely caught off guard in terms of the interest rate stress test and the elimination of the refinance from the low-ratio product.
On January 30th, 2017. See this statement in context.