I'll make these both quick, and it won't do them justice.
One of the most important elements with respect to inequality is intergenerational inequality—to what extent your economic position is predicated on that of your parents. In this regard, it's a question of equality of opportunity, effectively, of how well the society determines it.
I'll point out that there have been a number of studies. Most recently, the Conference Board did a study in this area that highlighted that at least in this very important respect, Canada fares quite well. A variety of policies that are necessary to reinforce this is essential. I won't go into detail on those, given the time.
With respect to household debt, the view of the bank and the view of the government has been that it was desirable to reduce the access to longer-amortization mortgages—30-year or 40-year mortgages—that had been introduced by CMHC and other mortgage insurers. We welcome the steps the government has taken in recent years to do that. It will contribute to a more prudent evolution.