Yes, from a financial system perspective, it could raise difficult issues if interest rates were to move to higher levels, certainly for those borrowers who currently have mortgages. I think you made a good point, which is that.... What Julie was trying to emphasize is that, for new borrowers coming in, there is this stress test or this minimum qualifying rate, which provides some protection.
Definitely this is a large interest rate increase for a number of borrowers. At current levels, as I mentioned before, what we're seeing is that there are borrowers who are managing the payment, the payment increases—