I have just one point to make before my colleague Julie will have more to say.
In terms of monitoring the situation of how actually these cases, these variable-rate mortgages...there will be an issue that is being managed with fixed-rate mortgages as well. With those mortgages that were taken out in 2021, if they're five-year fixed, there could be a payment increase five years down the road from that, so that is coming up as well.
It's early days, but OSFI is monitoring how financial institutions are managing these cases. Please direct your questions to OFSI on this, but there is some evidence that a number of borrowers are increasing their payments.
Some will be seeking hardship relief and other things, but there definitely seem to be some borrowers who are choosing to increase their monthly payments and are able to manage that. That draws on the points my colleague Matt was making about the financial position of Canadians. This is early days and something that requires further monitoring, but I just wanted to make that point.