Stress testing of our capital is something that we do with a range of scenarios of economic downturns. For example, we would model the U.S. financial crisis as if it were to happen here. We do that as part of our annual work and that's what we publish.
Somewhat confusingly the stress test I think you are referring to is the stress test associated with underwriting new mortgages, where we add approximately 2% to the prevailing rate in order to make sure that people have the ability to withstand interest rate shocks. We actually do stress test that in a different way. We looked at the impact on our business. In fact, there was a rough decline in activity. There are two parts to this. The stress test for five-year mortgages was imposed with respect to insured mortgages by the Minister of Finance in October 2016 and extended to uninsured mortgages by OSFI at the beginning of this year, so it's somewhat different.