I understand the part about making sure the banks are in a strong financial position. I was working in the United States around that time, 2007 and 2008. I remember the banking crisis there and the economic hardship that Americans and Canadians, but especially Americans, felt around that time. I think what I'm asking is that it sounds like you need to find a balance, because you could be even more restrictive on the banks. Is that right? That would mitigate the risk of the banks having economic hardship even further, but that would make it harder for Canadians to get mortgages.
Am I right that you're trying to strike a balance at all times?