Absolutely. It ties into skilled labour and jobs and everything else. Our recommendations are pretty simple, at this stage. One is to return to 30-year amortization periods for insured mortgages for first-time buyers. Young people make up the group that's most affected by this right now. It would get them back into the market in a responsible way. They're certainly well qualified and have many, many years to work, hopefully in a well-paying job, ideally in construction right now, to pay off that mortgage. They're well positioned that way.
The other is to make some tweaks to the stress test. We understand why it was put in at the time, but market conditions have changed dramatically. Frankly, in a place like Edmonton it's probably much worse. We're seeing 30% drops in starts in Alberta right now. That will show up in jobs over the next little while in a pretty scary way. We would certainly recommend adjustments or tweaks to the stress test that encourage people to get into five-year mortgages. Drop that stress test from two points, graduate it down to 0.7 basis points over five years, and even drop it for seven- and 10-year mortgages, encouraging people to lock in for a longer term to create stability.