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?
