In short, I would say yes. Absolutely. We are keeping a close watch on that. Let me remind you that, in 2008, even before the crisis was at its peak, the government changed the criteria for insured mortgages. It has since taken action twice, including last January, tightening up the criteria again. The main goal is to maintain long-term stability of Canada's mortgage market.
We realized during the economic crisis that some practices were really reckless. That started in the United States and in other places, and it almost became the norm. In Canada, those practices were not very frequent, but there were some signs here and there. The government saw fit to do something before the 40-year mortgages with no down payment became too popular. The purpose of all that was to ensure that Canadians who buy houses can continue to pay their mortgages even if interest rates fluctuate.