It's hard to say.
I wouldn't say that they're more leveraged. Based on our value proposition as mortgage brokers, there are certainly going to be some individuals who could be placed into the higher category of risk area, where we're using alternative sources of financing, but we have a lot of clients. As Paul has said, a lot of our lenders are balance sheet lenders. A lot of our large monoline lenders, like First National or MCAP, are looking for the quality borrower.
Nobody faces as strong, in a sense, a stress test on the underwriting guidelines as a mortgage broker. Our files are scrutinized, they're audited, and they're good-quality Canadian borrowers.