Very good. But we're at the top—which is a nice place to be.
I was very glad, Governor, that you corrected some, I guess, misleading comments about who actually raised mortgage rates. I mean, you were in Finance in 2006, and it was actually the mortgage insurers, not the government, who raised them. The government took measures to relieve them.
I want you to comment on how those measures, such as reducing the amortization period to 25 years for government-insured mortgages and increasing the oversight of CMHC, helped address the concerns surrounding the housing market. How did this help to slow household credit growth?