Yes. In terms of qualifying, many people are not qualifying for the home they want. Then, for those people who already have an existing home, it's very difficult to actually move to a different company or a different lender at their point of renewal. When it comes to renewal time, a lot of these people aren't qualifying.
That's why I propose that we not stress-test clients who are switching mortgage products, especially if they're switching to a fixed product, because it simply makes it unaffordable for people and they're trapped with their existing lender, who is going to offer them a higher rate.