That's not quite what the report here says. On page 14, with regard to the weakness of stress testing, it talks about the “what if” scenarios: the termination of reserve and how much reserve you should be keeping. How do you set the 100%? They're saying that there's a weakness in how you assess those various scenarios, and then when creating the cushion on top of it, you need to have the proper models.
That, then, leads me to my next question. The CMHC is going to be asked, going forward, to take on a new program, a commercial program called the FTHB incentive, which will provide shared equity mortgages. Have you done internal stress testing then, using new models based on the Auditor General's report to you, to make sure that you keep enough spare capital on hand in case some of these FTHB-incentive shared equity mortgages go under?