Fair enough, and I'd like to get Finance Canada's thoughts on this too, but we're not looking at just a 5% increase. The rates that banks charge for variable rate mortgages could be up to 6% or 7%.
When people go to renew, putting the stress test aside, what's going to happen to those who won't be able to renew? What's that going to do to the market? What's that going to do to our economy?