I can't comment on those specific changes that you spoke about. What I would do is reiterate the first part of my response and note that the pandemic recession has been very unusual in impacting renters more than homeowners. That's something that needs to be considered.
When I'm looking at the risks that are in CMHC's book, our observation is that there has been less income interruption than you would have expected during any other recession, because of the very particular circumstances of this pandemic.