Thank you, Mr. Chair.
Thank you, Governor, and thank you, Senior Deputy Governor. It's always a pleasure to have you here. Thank you for accepting our invitation, although I know that you often come under your own volition. You've come here at least half a dozen times, probably, in a couple of years. Unfortunately, the executive branch and the Minister of Finance have not accepted our invitation. We greatly appreciate your willingness to be transparent with parliamentarians.
I want to talk a bit about real estate, if I may. I don't know if that's Ms. Rogers's portfolio. Was the bank consulted on the government and OSFI's decision to allow lenders to extend amortization periods during refinancing?