Yes, we agree with the concept of a stress test. To that end, it would be a national stress test because indebtedness is indebtedness. However, we feel that the current stress test is too severe. The impact of it is quite devastating. The level of stress could be refined and then it would be a very sensible thing to have, but not just for the insurance space, which is the first-time buyer. It makes sense for the entire mortgage industry because that would really help to cool some of the overheatedness in some of the markets that we're talking about.
On January 30th, 2017. See this statement in context.