You're exactly right that the act has been around for a long time, and as a result of the wording of that act, we are much more focused on five-year terms for mortgages. Reviewing that act and providing more flexibility to enable financial institutions to more easily move to seven- and 10-year terms would provide a lot more stability in the marketplace and give encouragement to make use of those terms.
That, of course, would help with anyone concerned about even 30-year amortizations or lowering the results of the stress test. If you were able to go to seven or 10 years, some of those financial risks would start to be mitigated even more with that kind of length of term.