To answer your first question, we did see that, when we raised the policy rate, it was reflected in banks' decisions. Mortgage rates are higher, and there is more competition in terms of deposits. Deposit rates are also going up. So some things may change faster or slower, but, generally speaking, it has had an effect.
We've established a system with a few large national banks, which are well known. We've also established a system with small to medium-sized banks, more regional banks that are competing to some degree with the big banks. Basically, I think Canada has found a good balance in our banking system, which is known for its stability, and that's good for all Canadians. That's in part due to us having a well-diversified national bank system, which helps manage the risk associated with lending.