I would add just one point. In our portfolio we've done some analysis showing that about 95% of the borrowers who are coming up to renewing their mortgage over the next three years are actually going to be renewing at rates equal to or lower than their current rate, and that's because so many have taken these five-year fixed term mortgages. It actually does alleviate some of the pressure on our portfolio and borrowers through the rising rate environment.
On April 4th, 2022. See this statement in context.