Yes. That's certainly been one of our recommendations when we look at the stress test. If you wanted to step it down, how do you reduce the risk, since the stress test is about addressing risk? The longer people have a locked-in term instead of having to renew in seven and 10 years....
The stress test is very much about when you renew. If you're able to get a seven- or 10-year mortgage term much more easily, by the time you come to renewal, you're that much further along in increasing your equity through your career. Probably your income as a family has gone up and you're in a much better position if in fact mortgage rates have gone up at that time.