Maybe I'll start with that one. The way we think about it is that a lot of investor activity tends to focus on condominiums and, as a result, we, and I would argue our lenders, think about the condominium type of property as a very different animal. When you have situations like that, where a particular investor owns a number of units and something goes wrong—either rates are rising and they can't service the debt anymore or there's an exodus of renters and there are vacancies—we tend to see more of a bulk selling, which does put downward pressure on prices.
As a result, when we think about a condominium, we do look at the investor content within a building and what level of risk that represents, recognizing that, unlike single detached-type properties, you might have more of a group or bulk selling exercise that occurs at one point, driven by investors. To our mind, it's a different type of underwrite, and I think our lenders look at it the same way to try and mitigate some of that risk.