Our senior deputy governor may wish to add something. For my part, I would reiterate that we are not a prudential regulator or a consumer regulator.
There are indeed Canadians who bought their homes when prices were at their peak and chose a variable rate mortgage, so the sharp increases in interest rates are now having a big impact on them. When banks can find a way to help their customers not lose their homes, that's good. However, we don't want the banks to create new risks.
If you want to get more detail on this, you really should be asking the prudential and consumer regulators these questions.