Thank you.
You talked a bit in your reaction to budget 2023 about ratcheting down the stress test. It was a somewhat controversial item at the time. Now that we look back and we have seen the interest rate crawl up to 4.25%—and the stress test was based, I believe, on 5% or 5.25%—I'm wondering if that was a good move at the time.
Can you provide any details on how quickly we should reduce that stress test level? Are there any statistics, or is there anything you have that you can provide me with?