I take the view, and Canada Guaranty takes the view, that the successive measures the government has taken over the years have been a net positive. We support the concept of a stress test. We think that's appropriate. We think that's prudent. We could debate the aspect of how many basis points above today's mortgage rates would be appropriate, whether it's the current 200 points or 100 points, but I think that's a different type of debate.
We take the view that the stress test is prudent. We would remind the committee, though, that the stress test is being applied only to the insured marketplace as opposed to the entire marketplace, so that level of prudence is being applied to about 30% of the marketplace.