That's fair. When the stress test was implemented it was to address an overheated market, primarily in Vancouver and the GTA, and there was a debate about whether it was an appropriate response to an overheated market. I would say it wasn't. It suppressed demand, but the issue is really one of supply.
That said, how does it make sense in my province of Alberta, where in fact prices have been decreasing not increasing, where the market has cooled and has been cooling for a considerable period of time? It's really a one-size-fits-all approach, which is a common thing I hear. Would you agree?