My apologies—I was just coming to that question. In terms of losses, based on our stress testing and our experience, we find that losses in our mortgage book are caused by unemployment, not changes in interest rate. Therefore, I think the stress test may have indirectly contributed to the robustness of our mortgage book by having more stringent criteria, but I don't think there's a direct relationship between those two changes.
On January 21st, 2022. See this statement in context.