Do you wish to add anything about the stress test more broadly? I know you said the focus is on the renewal aspect, but do you have anything else to add?
Tied into that, I think you're right that we are talking about a group of borrowers who are low-risk. Making this change doesn't add any financial stress to the system. Is there any argument to say we shouldn't provide an exception? It seems to me to be a no-brainer.