Okay.
Now, there seems to be a lot of consternation around the stress test, not the idea of it, but.... To me, the fact is that somebody either qualifies as a low risk or they don't. That's something your industry has done quite well. In fact, we've heard testimony saying that traditional lending and non-traditional both have very similar rates for defaults, which to me says that everyone is doing their homework to make sure no one gets loans who cannot afford to pay them.
That being said, do you have anything specific you'd like to mention in regard to those changes or any future changes?