Our perspective has been that we're not adding any additional stress to the system. Borrowers are not taking on any additional debt, so the public policy objective is not being encumbered by eliminating the stress test on renewals.
As far as the remainder of the stress test across the balance of the market is concerned, it's important to recognize that our members are somewhat unique in the real estate value chain in that they have no vested interest in the outcome. Their sole function is to provide value, to confirm the market value, to confirm the value of the collateral for the borrower and for the lender. They're not compensated any differently if the deal closes than if the deal does not close.