I have two minutes.
In my community of Etobicoke Centre, when I'm out knocking on doors or getting phone calls, one of the issues I hear about most from folks every day is how they're struggling with rising interest rates and the cost they are bearing on their mortgage. The concern is in two categories. One is that folks who have a variable-rate mortgage have seen the cost of servicing that mortgage on a monthly basis go up. Two is that even folks with fixed mortgages who are renewing have now had to renew at a much higher rate. This is costing folks a tremendous amount of money. For a lot of folks, it's a real struggle.
In the fall economic statement, we brought in a number of mortgage protections. I'm wondering if you could speak about these in the remaining minute or so. What are some of the most impactful protections?