I guess we used the language because that's how we talk about it with the institutions we regulate. That's the language they use.
Now, on payment shock, the folks who are exposed to particularly acute payment shock are relatively.... It's not a lot of people. I mean, 170,000, I acknowledge, is too many, but there are five million Canadians with mortgages. The issue we have with that risk concentration is that it will harm the Canadians who have those mortgages if they do suffer that payment shock. It will strain the earnings of the institutions. It is an unnecessary risk concentration that, all else equal, I would rather have avoided.
I used the term because that's what we use in the industry, to be honest.