There are a number of things in that comment, and I'm not entirely sure I follow the argument.
I think it's appropriate for me to respond that we are very closely monitoring the level of Canadian indebtedness. We've been focused on this issue from day one as a government. The biggest portion of that family indebtedness, of course, is typically mortgage debt, and we've looked at that very carefully. We've put rules in place to protect current homeowners and protect people from taking decisions that put them in vulnerable positions.
We are starting to see some impact that is reducing some of the significant risk, but it remains a risk. I think you're entirely appropriate to point it out. We need to stay on top of this. The reality is that our economy is doing well. As our economy does well, we're seeing that the Bank of Canada is currently looking at inflation and following through on their mandate. Most recently, they've raised interest rates, and while it's not in my jurisdiction to opine on it, that is not unlikely to happen in the future. We need to help prepare Canadians for that potential eventuality, which is a risk. We are working on that, and we'll continue to do so.