That's a great question. I think it gets to the heart of the productivity crisis that we're challenged with right now. Unfortunately, because of the way the capital risk weights are set up right now, banks devote less capital to mortgages than they do to businesses.
In terms of capital regulation, there are standardized and advanced models. We've been pushing hard for OSFI to review the risk capital models, and that's why we're very supportive of OSFI's review of the standardized capital risk weights. We've seen their proposal to reduce capital risk weights on business loans from 85% to 75%, and we'd like to see that implemented.