Thank you for your question. I'm Julie Turcotte from the Department of Finance.
It's true that many households are going to face some financial pressure in the coming years as they renew their mortgages. What we know is that so far, one-third of households have seen their mortgage payments go up, and that will increase in the next year or two to about two-thirds.
I think there are some mitigating factors, including that the labour market has remained quite strong, so we haven't seen unemployment increasing by a whole lot, and income growth is also quite solid—