As we've said, inflation and adjustments in interest rates both affect.... There is no one Canadian. There are young Canadian homeowners who are just starting out and are new in their career. They have just purchased a house. House prices have been elevated. They are carrying large debt loads. Fast-forward 20 or 30 years, and hopefully you have paid down your house and accumulated more savings.
The averages can hide a lot of diversity across Canadians. If you think about the different generations, different households and different socio-economic groups, there is a lot of diversity. Inflation and adjustments in interest rates don't affect everybody.