Thank you, Madam Chair.
Thank you to the witnesses for appearing today and for this input.
Mr. Cowan, you talked about longer-term debt commitments. You referenced the cost of housing and how it's affecting Canadians who are in some kind of trouble right now. You also talked about longer amortization periods.
Could you quickly give me what you think the right amortization period is for a mortgage that has increased significantly over the last number of years? What's the correct number, in your opinion, for the amount of time over which we should amortize a house?