The general appearance is that the agencies don't communicate.
The simplest reaction should be this: For people in genuine financial hardship.... We have this incredible acceleration of interest rates—the steepest and fastest in the history of this country. If they are in genuine trouble on their renewal and can't afford to make those payments—and that should be provable financial hardship—there's no reason not to extend to 30 years or even 35 years.
However, OSFI is also correct. The idea of infinitely extending amortization is a demand stimulus. There's no question about that. It needs to be handled in the correct way, but we also have to take the approach.... Some people had a 2.49% rate and now have a nearly 6% rate. That's a difficult problem.