Mr. Chair, thank you for reminding me that I hadn't answered that part of the question.
In our world, we worry about financial services. To be candid, I don't spend a lot of time on other sectors, just to be clear.
Insofar as inflation might soak up the savings of Canadians who borrowed in order to own their homes, we have the margin of safety from the minimum qualifying rate, which should help with that, and in addition, the savings rates of Canadians have generally risen through the crisis. Although that's not the case for all Canadians and there is some disparity there, with folks who own homes we tend to have a little bit of additional absorptive cushion from the higher savings rates of recent quarters.