I'll be very quick.
You mentioned the United States. The housing situation, the residential mortgage market situation in Canada, is very different than in the United States, very structurally different. I think comparisons between the two have to be very careful.
We're all concerned that we achieve a soft landing, not a hard landing. I would say that the government's incremental steps over the last four years have been very targeted. They have been very precise, very surgical. I think they are having the desired effect of slowing the market down and helping us to a soft landing. That's part of it, but we are a very different market than the United States.