Look, innovation that creates more opportunities for consumers, I'm...yes, I think that would be a good thing. I think one has to be careful about innovation. We have to make sure these are innovations that are robust and that will.... You know, we saw a lot of innovation in the mortgage market in the United States in 2004-05-06, and it ended very badly. Fortunately, in Canada we were not as innovative. We did have some of that going on in Canada, but it was much smaller.
On March 3rd, 2022. See this statement in context.