We look at a range of cases. We look at economic stresses and in particular the variable that drives our losses the most is the unemployment rate. House prices are a little more stable and don't drive it as much, so we look at anything that could affect the unemployment level. The cases we looked at last year, for example—this was published in October—were a low oil price, a global trade war, a cyber-attack on the country, an earthquake in western Canada and a volcano. We try to make up crazy things so that we can look at things differently, all of which could result in unemployment and impact on it.
