With regard to the stress test, for which we've had mixed reaction, and some are perhaps more concerned about the result of it than others, there was a time—and I was in the mortgage industry for over 20 years—where the debt service ratio requirement was different for the first-time homebuyer. For many years, CMHC had a higher threshold, in recognition that a first-time buyer was likely at a stage of life where they're probably willing to struggle to get that initial toehold in real estate and are able to grow into that, and are likely to have increased incomes.
Would perhaps either a debt service ratio that could be adjusted for first-time homebuyers, to protect that group, or to look at regional issues and perhaps have regional qualifications to deal with the regional concerns that Canadians have...?