I won't have time for another question. I'd love to ask more. I'm sure my colleagues will ask some great questions, but I think what I heard you say in your last response was that people's net wealth is higher on average. This doesn't apply to every individual but, on average, Canadians' net wealth is higher than it was prepandemic, and incomes are up compared to that time—the labour market is strong—so people are able to better withstand some of the higher interest rates than they would have if that hadn't been the case. Is that fair to say?
