I would first of all like to underscore the fact that the rise in fixed mortgage rates had begun before we made our decision. As I have just said, it was due to an increase in the cost of funds for banks. The main reason was the increase in government of Canada treasury bond rates. With the pursuit of the Canadian recovery, several bond rates in the mortgage market, preferred rates, etc., could increase. This is normal, given that the levels continue to be exceptional. This is what Canadians must take into account. The rates are very low at present. One must therefore be prudent in business.
