I think that's something that should be taken into account, because when we look at the stress test that was applied when it came to mortgages, we see that the second one didn't work for parts of the country that weren't Montreal, Toronto or Vancouver. I think there has to be this whole-Canada approach to it, not just what government thinks works in Toronto, which doesn't apply effectively across the nation. I want to make sure a rural lens is put on that.
As a quick follow-up question, with these two different bureaucracies, how are builders going to know where they have to go? How can there be insurance that there isn't going to be a delay if they went to the wrong department because they may not have been aware?