I'm okay with banks applying underwriting standards equivalently across the system. If we were to lighten underwriting standards vis-à-vis the MQR, that would come from guideline B-20, which also calls for new credits to have the collateral appraised and to have the income of the borrower checked.
In other words, if you loosen one underwriting standard, you're probably going to loosen more. Our mandate calls on us to be fairly vigilant on this. My recognition that there is an imbalance from the perspective of homeowners who have insured versus uninsured mortgages is one I hold to. From the perspective of those homebuyers, if I were a homebuyer facing that, I would feel like it was an imbalance. The commissioner of competition and I have spoken about that, and I think it is a legitimate challenge to ask OSFI if it can do something different so that the imbalance goes away. We are thinking about it, and I think it's a fair critique.