Okay. I appreciate that.
You also explained earlier that there are tools that you have—and the lenders have—for individual borrowers, if they do run into trouble if interest rates rise. That's helpful.
I only have about a minute and a half left.
You asked for the raising of the $1-million cap on insured mortgages. Presumably that would open up access to homes for those who otherwise couldn't afford them, but at the same time, it would increase demand for that certain subset of homes over $1 million, which could have an impact on prices. In other words, it could drive them up.
Presumably that could price some folks out of that market. Is that correct?
As policy-makers who are concerned about ensuring that as many people as possible have access to the purchase of a home, which of those two effects are greater? In other words, if government were to do what you ask, would more people have access to a home or fewer people have access to a home?