Thank you.
Let me follow up on that line, then. These regulations and these changes actually are trying not to cool down markets but to limit risks to those who have higher debt levels. The changes do not go into effect one way in one region and another way in a different region. It's the debt ratio, not the price or value of homes. It's debt ratio. If you have low debt in a household in Alberta but high debt in Ontario, that's the factive point here, not the value of your home.
You said “overreaching”. The Canadian government helps and supports mortgage companies and lenders more than Australia, the U.S., and the U.K. do. If the Canadian government, with taxpayers' money, no longer backed your insurance, would you be able to operate under your business model?