Ms. Bednar, I want to get you in as well.
Canadians are taking on more non-mortgage debt than ever before. According to Equifax, the bottom 75% of earners in Canada have a debt-to-income ratio of at least 200%, and it's over 480% for the bottom 20% of income earners. What impact do growing household debt levels have on first-time homebuyers and for young Canadians?