The issue in urban markets is really the changing nature of those marketplaces over time and the need for a more diversified housing stock. This is recognized in the government's work on its national housing strategy and, indeed, in supporting people in getting access to homes. We have a very large policy set today that supports people in getting access to homes, against which we balance these concerns about stability.
There are segments of the population, particularly in urban markets where prices have risen, who would be inclined to stretch—and I believe the term we've used is “unhinged expectations”—and they might get themselves into a situation where they would be vulnerable. That was the concern that motivated these policy measures.
We think it's a transitional impact, so a borrower, an individual, or a household that really would like to own a home can save to own a home over time. It's a question of supply at the end of the day, and whether or not there are available homes. This is one of the main concerns when you look at markets like Toronto.