The mortgage stress test was actually implemented by the Office of the Superintendent of Financial Institutions. It was designed to make sure that Canadians who were taking out a mortgage at a time when we had historically low interest rates could continue to make their mortgage payments if those rates went up. You'll remember the debate, and as you said, there was.... I remember that at the time the prospect that interest rates would increase by 2% seemed unreasonable.
Now, I think what we have is a macroprudential measure that has sort of helped us weather this period of rising interest rates. It has helped borrowers, and it has helped preserve stability in our financial sector.