Thank you, Chair.
First of all, I also want to congratulate you, Chair, on your reappointment. Maybe re-election is the proper word.
I want to also welcome all of my colleagues back to the finance committee. It's great to see you here. It sounds like all of you had a very busy summer, like we did.
Of course, Minister, it's always great to have you in front of the committee, because you've always brought something productive and constructive to the committee when you've brought something forward. I think you're following through on what your reputation has become, and that is one of a very hard-working minister who's looking forward and trying to help Canadians. You're definitely doing that with this type of legislation.
You touched upon mortgages. I'm going to take you back to mortgages because I think—you said it here earlier today—it's probably one of the biggest purchases a family will make, and it's one of the things that is probably the most confusing. When you're looking at purchasing a mortgage or purchasing a house and taking on a mortgage, there is a variety of options. There's a variety of repayment schedules and repayment terms. There are implications if you decide to sell that house down the road. For example, if you have a floating rate and you see the rate increase, and all of a sudden it goes up by 1%, 2%, or 3%, it impacts that household.
Can you just elaborate on the mortgage side of things, as to how you're going to improve people's knowledge when they take on a mortgage and what the options are for them? Again, what can we do to make them make better-informed decisions on whether to lock in a mortgage and stuff like that?