On that question, I'm going to take that as a no, unless you tell me I'm wrong.
I am curious, in this question, about the stress test, though, because it does seem to me that requiring somebody who has an uninsured mortgage to renew with the same institution, even if it's a higher rate than other rates that are available in the market, is probably not very helpful, unless the goal is to increase the odds of default for uninsured mortgage holders.
Can you explain why the decision was made to move ahead with eliminating the stress test for one category of mortgage holders and not for the other?