First, I wouldn't say the situation is being made more difficult for them. Instead, I would say we're trying to help them manage a debt level that's very high in the country. We want to make sure they'll be able to keep the home they purchase. The first home may be slightly less expensive, but they'll be able to remain there.
In the end, we're taking into consideration the overall nature of the situation over the short term and long term. We want to protect Canadians from this debt level, which is really very high and getting higher.