Finance committee  I had a somewhat similar question to that a little earlier. If you look at the difference between our 2019-20 main estimates and the ones we presented this year, there is a notable increase. That said, post-production of the main estimates, we came out with a revised strategic p

Finance committee  I'll answer that. The office of the chief actuary provides, as I mentioned a earlier, a set of actuarial and valuation advisory services to various benefit and pension plans within the government. Those services include assessing obligations and costs, and looking at the design,

Finance committee  That's a good question. What happened in 2019-20 is that you would have seen the main estimates at a lower level than what you're seeing for the upcoming fiscal year. Post-submission of the main estimates last year, we put forward a new strategic plan to ensure that we built the

Finance committee  That amount pertains mainly to actuarial advisory services provided by the office of the chief actuary, which is an independent section within the broader group. There's been an increase in staffing there, so it's mainly related to salaries. There was a bit of a catch-up in regar

Finance committee  We don't prescribe a maximum amortization period, but we do monitor trends in regard to amortization periods, because what we would not have wanted to see was an extension of amortization periods to accommodate the stress test. Referring back to what we released on our website l

Finance committee  Yes.

Finance committee  As I mentioned, we do monitor practices in regard to amortization periods, so it is something we focus on. It is not something that is prescribed as to the maximum, but we've been monitoring developments in that regard, and we haven't seen any meaningful shifts since the implemen

Finance committee  We can speak to the regulated space. We get a lot of data from our regulated institutions in regard to mortgage originations. I wouldn't be able to speak to specific data. I would have to bring in people who deal with that data on a more granular basis to respond more accurately,

Finance committee  I'm not the expert on all of the data and the trends in all of the vintages, so I would have to get back to you to talk in more detailed fashion in regard to the pre-B-20 or the—

Finance committee  We can, yes.

Finance committee  I can speak to that in very broad terms. We try to monitor what is flowing outside the regulated space. It is difficult to get very accurate data, but we continue to monitor it in looking at the broader systemic impacts. There has obviously been a little or some migration to th

Finance committee  I can jump in a little. In regard to B-20 and the intended impact and the consequences of the guideline, we did publish something on our website last week, if I'm not mistaken. That highlighted results and observations following our monitoring subsequent to the implementation of