They had some impact. One reason we've stressed the importance of expanding the homebuyer's plan for those individuals who would be impacted is that it allows them to apply some additional funds to qualify under the revised mortgage rules and under the stress test. They would then be able to, hopefully, qualify for something whereby they would have a higher down payment but would ultimately have to pay lower interest payments. They would then also not have to incur the cost of mortgage insurance.
It would certainly have an impact in that regard.