The 30-year amortization is currently available to any buyer who is not insured. Whether you're a first-time buyer or not, if you're insured, the current rules dictate that the maximum amortization is 25 years.
What we're advocating for is that the insured buyer also be allowed access to the 30-year, recognizing that it is a slight stimulant on the demand side, but in our view, it is simply long overdue that this final levelling of the playing field should occur. They are already, in every other aspect, on a level playing field as far as the mortgage rate stress test, the underwriting criteria, etc., are concerned, and I think this would be a final step to at least give those first-time homebuyers the same opportunity that uninsured buyers are currently able to access.