One of the things that I wonder about, and I think I've asked both of you this question a number of meetings ago, is the issue of how people are impacted whose mortgages are rolling over. It's going to depend on whether people were on fixed or variable rates, and if they were fixed, at what point their mortgage comes to term. I appreciate all of that.
In the past, you've told us that this is something that you carefully watch and monitor. Could you talk to us about your outlook on how folks are going to be impacted as mortgages come to term and they renew?
Some folks are going to be renewing at lower rates, and some folks are going to be renewing at higher rates. I want to get a sense of how my constituents are going to be impacted in the coming months and possibly years in that regard.