One can't do justice to that question in 60 seconds, but the long and the short of it is that solutions-wise, we need to be encouraging more lending outside of real estate. Then we need to be encouraging lending that is within real estate to be homing in on co-op and affordable purpose-built rental housing, and we need to invite Statistics Canada to rethink how it's measuring the inflation of housing as it's calculating CPI.
Those three things are critical to address some of the worries you're raising, and you're right to be worried about them.