Not applying but certainly qualifying. If I could go back to your first question, most first-time homebuyers, at least in Atlantic Canada or in my neck of the woods, which is Halifax, are coming in with 5%. The problem is that it's a ripple-up effect. If that first-time homebuyer can't qualify with 5% down, whose home are they buying, who may have a 20%-plus...?
If the person has 20%-plus in equity on their current residence and is selling it to that first-time homebuyer, how do they then sell that house and move on if we don't have a first-time homebuyer qualifying at 5% without a stress test? The stress test eliminates that first-time homebuyer in a lot of cases.