I would say that, at least at the federal level, the regulators speak to one another on a regular basis.
Currently we are aware that the Competition Bureau is doing a study on the stress test and the impact on transfers, switches and renewals. We have also been in touch with the Competition Bureau and OSFI on this matter. Interestingly, they recently clarified, in a publication on October 16, that for insured mortgages, the stress test is not required for transfers, switches and renewals. As Mr. Butler mentioned, we'd like to see the same for homeowners in the uninsured space.