Yes, by all means. The changes to eligibility for mortgage insurance will have an impact on the marketplace, on the structure of the marketplace, on who gets access to mortgage insurance, and therefore, how easily credit can be extended.
We announce them in a transparent and immediate way to avoid any gaming of the market, anybody pulling forward house prices and house sales. I would refer you, for instance, to the B.C. foreign buyer tax, which saw a big surge of house sales in late July, as an example of where a delayed kind of impact can bring demand forward.
It doesn't apply in all circumstances. There are other places where we are consulting and have consulted. We have made some changes to rules around eligibility for portfolio insurance where we've had regulatory processes that have allowed public comment after the regulations have been published. We've also had informal consultations on a number of fronts, including one that is ongoing right now about the question of whether lender risk sharing would be a good idea.