Thank you. It's interesting that employment is more of a direct factor in mortgage defaults. Thank you for that.
My last question is for Mr. Routledge.
I believe you made some comments, in your Vancouver speech, about looking at the minimum qualifying rate for uninsured mortgages. Can you comment on that? It must be very difficult in a time of instability. How are you looking at it from the perspective of making sure we're keeping in mind that we want first-time buyers to actually continue to buy houses?