Mr. Chair, that's a rule specifically. At OSFI we are principles-based. That's an underwriting practice, and we would encourage the institutions we supervise to think about that. We don't currently have that specific and discreet rule, although we do have disciplines that say that if you as a bank are taking more risk, you should have more capital allocated against the loan.
In answer to your question, I would be hesitant to tie capital regulations to housing market price. Our job is to keep the system safe.