Would it be fair to say, for your typical Canadian listening in who is wondering what all of this means for them, that if rising interest rates lead to serious distress for investors who are overexposed, the biggest risk for Canadians who own their own family dwelling would be maybe not being able to move? If they have a really big mortgage and the value of their home ends up being less than their mortgage, the biggest risk for them is that they would have less mobility, but it's not necessarily a financial crisis for their individual household.
Does that ring true? What do you think are some of the other takeaways that a member of the Canadian public who is listening today should take from this?