Just to be clear, I'm not asking if there is lobbying or discussions, but specifically it's when a government considers moving towards a change in mortgage regulations, lately with more constraints. There have been changes in the last 10 years—in 2008, 2010, 2011, twice in 2012, and more recently in 2016.
I just want to know the modus operandi of the department. Are you consulted before the announcement of those changes?