Let me begin by making absolutely clear that there are limits to the role of interest rates in addressing this issue, or more specifically, the role of the Bank of Canada's interest rate. We conduct monetary policy with the sole objective of achieving our inflation target and that's the agreement with the Government of Canada. And as you know, it's a 2% inflation target.
So issues around financial stability and potentially issues around potential emerging vulnerabilities in the household sector are best addressed by other tools. And sometimes those tools are termed, as you just did, macro-prudential tools.
The options include changing elements of the terms of mortgage insurance—