Sorry, I have limited time so I'm going to interject, but I'm glad you brought that up because if I compare myself to my parents, my parents had double-digit interest rates. That comparison is exactly why we're doing this, to protect for changes in interest rates.
I want to move on quickly because I have very limited time, but you spoke about municipal fees. This is my wheelhouse. I was a municipal councillor for nearly 10 years and the suggestion to make development easier is exactly opposite to the argument you make in terms of regional differences. In my home province of Ontario, the province determines a lot of the supply in the area, and municipalities must comply with that first. If for the supply issues the federal government took a broad approach to that, you would have very different impacts across this country. It's the exact argument you are speaking against in the sense of regional differences.
Wouldn't it be better to ensure that debt is debt and that if people are at high risk, then we ensure that there is protection in the market for when interest rates change?