Let me begin with the risks for the Canadian economy as a whole. This situation is creating one of the biggest downside risks for the Canadian economy. In the short term, there is still an upside risk, for it is possible that Canadian households will continue to accumulate debt at the same pace.
However, considering the level of Canadian household debt, it is possible that Canadian households would react more strongly to a shock than before, whether it be housing prices, an economic shock, a shock in terms of employment, or any other shock. This could lead to the paradox of thrift. The Bank of Canada is taking that into consideration at this time. In that case, we would have to create a shock within the Canadian economy, but there is none at this time.
We are working very closely with the Office of the Superintendent of Financial Institutions and the Department of Finance to change mortgage insurance rules in Canada. The rate does not necessarily need to be lowered, but at the very least, the household debt levels of the most vulnerable do need to be reduced.
What was the first part of your question?