Thank you.
The other question I have is this. I believe that when you came before us in an earlier session, there were savings of around $11 billion of what Canadians have put into their bank accounts. To what extent are you looking at where those savings land in some of your decisions?
To what extent are you also looking at other factors, like bankruptcy rates of companies and fixed mortgages? I believe 80% of all mortgages in Canada are fixed at five-year rates. I could be wrong on that, but I think that's what CMHC has said.
To what extent do you look at those types of factors to see how quickly and how much you might be increasing your rates?