I'll take that one.
I think a pause in the range of 12 to 18 months to review the existing changes would be prudent.
I want to comment on one of the comments you made. You talked about the high debt load of the Canadian consumer. About 73% of the Canadian consumer high debt load right now is mortgage debt, so 27% is outside debt: credit card debit, unsecured line of credit debt, auto loan debt. This is debt that is at a rate anywhere from four, five, six, to eight times the rate of their mortgage debt. Because we see so much activity, that is the debt in this country, when we see families stretched and not being able to put food on the table and looking to sell or refinance their homes, it's usually to retire their high interest debt at 16%, 18%, 19%, or 20%. I get it. It's not backstopped by the government. It probably isn't for this forum right here, but when I look at the disproportionate share of Canadian debt-to-income right now, much of it is that debt that, as I said, is five times higher than the mortgage debt. I'd like you to keep that in mind.