First and foremost, these policies or these changes were brought forward because we wanted to really help support a healthy and stable competitive housing market within our society and also to make sure the economy was stable as well.
We have put measures in place to protect borrowers, because we recognize that there is a high level of debt and we truly just want to make sure that we're here to protect Canadians. That's what it's all about. It's about protecting Canadians and making sure that they have a stable debt load.