Again, how banks generate their revenues is not my area of expertise. Obviously, Canadian households are going to be stressed to some degree as they make these choices, but the thing I will come back to is the fact that we've tested this. This is why we have a stress test. This is why we have one of the safest and soundest financial systems in the world. It's because we take account of these potential problems, and now higher interest rates are going to come home to roost.
I think, for the bulk of mortgages, there will be some adjustments that will have to be made, but those adjustments are all doable. That's the important thing.