I would echo that and I would add for precision that when we talk about the qualifying rate, we're talking about the stress test and the application of the stress test not just on the insured marketplace, which as I said is reducing. The government could have considered or contemplated the stress test overall being uniformly applied to all mortgages.
As I said, I think we've been very supportive of the concept of a stress test and the reduction in amortizations. The way I would try to frame this for the committee's benefit and the committee's reference point is that these changes are disproportionately impacting the first-time homebuyer who's not creating any froth, any challenges in the marketplace.