Mortgage Rates in the Low Fours?

The Canada five year bond, which would I watch for mortgage rates, it's been all over the place. There hasn't any stability to actually say, okay, let's meaningfully cut and hold mortgage rates at these levels. The only way to attract more deposits is to raise rates. And so, I was suspecting Canada, you're going to see a lot more competitive higher rates being offered on term deposits in GICs.