I can, by all means.
We have now made six changes, six adjustments to the rules for mortgage insurance since the crisis in 2009. In all of those cases, the announcements were made without consultation, in a formal sense, with the marketplace.
Having said that, I can assure you that we have a very active dialogue with the marketplace and we continuously ask them about their views with respect to housing risk and access to mortgage insurance. Furthermore, I can say that in this particular case, the change in the stress test, which was a modest adjustment to an existing rule, was being supported by most of the stakeholders we spoke to before we made the decision.