Thank you. I appreciate that clarification, because we heard testimony that seemed to conflate the issue with first-time homebuyers having access to the market, but really this is intended to deal with indebtedness. Whether someone has overspent on a mortgage, or has a mortgage and other consumer debt, this is what the stress test is all about. This is the concern.
As I think you stated in your comments, it's not about slowing particular markets.