Thank you for that question. It is of course important.
In the first instance, it is important that we understand the risks that we manage, and it's proper that we stress test ourselves. Your question goes to how we know those are proper stress tests.
First, we operate three lines of defence within the company. The first line of defence is the business line. The second line of defence is a separate risk function. That risk function conducts the stress testing itself. Then our internal audit reviews that activity. On top of that, OSFI conducts an annual supervisory examination of what we do and reports to the minister responsible for the CMHC in addition to the board's review of that activity.