If I may, I'll explain here that our changes have been made very much at the margin in terms of the access to the government's support for housing. In this respect, what we have done is change the rules for portfolio insurance that was used by these lenders to access funding. We have made those rules align with the terms and conditions that you must enter into when you buy transactional insurance for high-ratio properties.
On February 13th, 2017. See this statement in context.