In terms of responsibilities for the evolution of household imbalances, obviously, first and foremost, the responsibilities rest with the individuals. People should take on debts that they think they can service over the lifetime of the loan. Canadians are responsible people, and we certainly rely on them to do that.
Institutions have a responsibility as well to ensure that the products they are offering are consistent with the constructive evolution and the ability for the borrowers to service those loans. I would say that as a whole we are encouraged.
I'll give you one fact. About this time last year, when the bank and the government started to take additional steps, the amount of floating rate debt, floating rate mortgages, that Canadians have taken on had fallen from about two-thirds of all mortgages that were being written at the time to about 10%.