Thank you, Mr. Sarai.
Thank you, Mr. Chair.
Governor and Senior Deputy Governor, along with OSFI, our government has put in place a number of measures for the housing market. I like to think that the quality of debt now being assumed by consumers in purchasing a home has improved. I look forward to reading and seeing the June financial system review. Can you comment on measures to date or what you're seeing in colour commentary, if I can use that term, of the quality of indebtedness Canadians are assuming ex post the measures we and OSFI have introduced?