Yes, and I'm not putting words in your mouth, Ms. Bowers, but the other one I think of especially is the wage subsidy program, because it helped Canadians to remain employed in many cases, and that presumably would have allowed them to continue to pay their mortgages.
What I hear you saying is that the primary cause of mortgage defaults in the past—you said this earlier in your testimony—was unemployment, that the mortgage default level was very low during the pandemic, despite its being a global crisis, and that a lot of this is attributable to the fact that there were tremendous income supports provided to Canadians. Am I summarizing this correctly? I don't want to put words in your mouth. I want to make sure that I'm actually depicting what you said.