Yes, we've thought about loan-to-income. Before I get too far down this path, it's certainly our view that we need to digest the changes that were announced in October, and not to think about the next series of changes. But were the government to ask us about other policies, one such policy that's been enacted in the United Kingdom, for example, is a loan-to-income limit as a way of addressing the concern you mentioned.
On February 13th, 2017. See this statement in context.