I would agree that the issue we are facing is that the measures introduced are trying to target those two cities but are national by nature. The impact is felt oftentimes elsewhere and not in those cities, because they are targeting first-time insured buyers who are very modest players in those two big cities that you're talking about.
Our view is that there really is a need to think about levelling the qualifying criteria between the insured and the uninsured space, the uninsured space being where today a borrower can get a 40% larger mortgage than an insured borrower can get with the same income. That's part of the problem.