I don't know if I could answer the question of when, but I could answer the question “under what circumstances”.
Obviously we've taken these measures over a series of years, in the last year two times, to address circumstances arising from a low interest rate environment. An ability to borrow and a consumer's interest in borrowing to buy a house have been very high. That has pushed up house prices. It has pushed up people's interest in buying houses.
These measures have been taken in general, as I've mentioned, to make sure that when they enter into those arrangements, they're not vulnerable to either a loss of income or interest rate rises over time.
In other circumstances, for instance, where the economy is performing well but risks are lower, interest rates are higher, and the impediments to people making imprudent borrowing decisions are higher, we would perhaps look at circumstances in which we would change some of those rules. These are macroprudential rules, and they are adjustable.