There is, of course—and I know you know this—no requirement to renew at the same institution. The distinction is that if you have an insured mortgage, you do not need to pass the stress test again. I think that gives people comfort, confidence and ease of shopping around.
Another consideration I think we all need to bear in mind is the safety and security of the Canadian financial system overall. That is an important consideration. That's something the superintendent of financial institutions is principally charged with, but we take his opinion seriously. The Canadian financial system and the institutions that maintain it really have stood the test of time. We saw that in 2008.