If the government has made a choice on insureds, we're creating a two-tier kind of borrower, where the borrower who has less risk to default actually has more strenuous stress test requirements.
In 2021, when stress tests came in, I supported that. It made sense because rates were at an absolute rock-bottom level. We're now at the top of the rate cycle, according to the central banks. Shouldn't we be giving consumers a little bit more flexibility to shop to get a better rate?