The immediate benefit for conventional borrowers in Canada is that there's no insurance premium they have to pay. I think that would be an immediate benefit. I think what we're trying to suggest is that if the stress test is an effective tool for first-time homebuyers, and the first-time homebuyers now represent somewhere between 30%, potentially 20%, of the marketplace, are the government regulations more effectively applied from the point of view of moderating the housing market if that same stress test is applied on the conventional business?
On February 1st, 2017. See this statement in context.