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are you concerned that the bank's contributing to another bubble and at what point does do Financial stability risks become more of a concern so um well let me just reiterate uh we we think a considerable amount of this uh strong Rebound in housing activity or Flex pent-up demand uh and um so we we expect that uh we we would we're not extrapolating going forward from these uh recent numbers um you know there is no doubt that Tiff Macklin was stepping into a mess when he took over as the governor of the Bank of Canada back in June of 2020 the world economy was battered entire industries were shut down we had no end in sight to current restrictions and lockdowns and news of any kind of viable vaccine was still months away I will be the last person to say that Tiff was dealt a good hand then again even players who are dealt a bad hand can be criticized for the way they play it and there is no doubt that Tiff played it really badly and I I mean really badly like he shot himself at the car...