First of all, I'd like to clarify that we increased the premium. We have to run this business on a commercial basis. We had not increased premiums since 2017. There were changes to accounting rules that we have to follow, as well as regulatory capital requirements set by OSFI, so we had to change our pricing so that we achieved minimum commercial returns. That's the reason for the change.
Before we increased the premium, we did extensive consultations with developers, who confirmed to us that of course they didn't want an increase in the premium. However, in terms of impacting the viability of the project, they did not think the premium increase would impact viability and that in fact it was the other product features that were important.