To be clear with respect to first-time homebuyers and the interest rate stress test, what we've done is we've extended the test from a segment of the market where it had already existed. It had already been in place for borrowing under five years; now it's in place for mortgages with five-year terms and over. It has a transitional effect where first-time homebuyers, who were previously qualifying at very low five-year contract rates, will no longer qualify.
We see that as a transitional effect and we see it as being subject to changes in consumer behaviours. There's the possibility here that a first-time homebuyer, who does not qualify for the size of home they wanted to buy previously, will buy a smaller home or save.