I'm not going to comment on the tools per se, but in terms of the impact across cities and across regions, we've done some work on this in looking at who would be impacted and which cities would be impacted. What we found is that not only the GVA and the GTA are impacted, but a host of cities are impacted. That's because the measures have different requirements in terms of people's ability to repay their debt. There's a requirement in terms of mortgage debt but also in terms of total debt.
It turns out that there are highly indebted households in many different parts of the country. For instance, in Montreal and Halifax house prices are low, but consumer debt is very high, so those folks are being impacted by the measures. This thing is a bit broader, if you want.... It's really, in a sense, about targeting it and having an impact on total indebtedness, not only on mortgage debt.