Those statistics, to be more precise, relate to the past five-year period, so I cannot speak to which rules were in effect at what time. You're right; the stress test and other rules were put in, but one of the most popular terms for a mortgage—and our colleagues here will correct me—is the five-year fixed term. Two-thirds of borrowers use a five-year fixed mortgage, so that's the novelty here related to the announcement last October.
On February 1st, 2017. See this statement in context.