Thank you for that, and I appreciate you're trying your best there.
I just want to switch subjects a bit to the sensitivity of interest rates with respect to the housing market. Like I said, we can get in trouble if we have houses go too low or too high. Are you concerned that a dramatic decrease—we have 0.25%, which is barely anything—if, in fact, the Bank of Canada were to move too quickly, that might drive the housing prices too high?
Are you comfortable with the four and a half rule, or the 450% rule, that we'll be able to protect ourselves from buyers taking on too much?