Thanks, Chair.
I want to thank all of the witnesses for being here today.
It's my first round today, so I'll start off with Questrade. We're seeing an increase in concern around housing affordability and Canadians struggling to afford their mortgage, even now, with all of these interest rate hikes. We're seeing that the increase in inflation is also causing more upward pressure on interest rates, so there's a risk of them going up again.
While we need to increase the housing supply, what policy changes should the government look at to address the issues of affordability for both purchasing real estate and taking out a mortgage? Could you please keep your answer brief?