It's a great question. CMHC isn't in charge of that in the programs we deliver on behalf of government. The government establishes the criteria we use, and then we administer the programs accordingly.
It may be a more appropriate question for Paul in terms of going forward, but what I will say is that, absolutely, if you use the definition of 30% of income, you get a lower number in most cases than you would if you used our 80% of median market rate, the median market rent. It does drive a different result, and it doesn't drive to the same level of affordability, but it does drive affordability. If this is the market rate, it drives it down a little bit, though not as much as if we used a different number. We are still getting a benefit. In some programs, that may be the benefit you're looking for. You may not need to go all the way—it depends—and it costs more if you drive it down further.