Perhaps I can respond to that. We do track these credit numbers very, very carefully, both household credit and business credit, in terms of other indicators that we look at, in terms of the overall performance of the Canadian economy. In the case of the household sector, in looking at the growth of household credit, we take a balance sheet perspective, so we look at the rate of growth of household sector credit, but we also, obviously, look at what that credit is being used to purchase, what's on the asset side of the household sector balance sheet. You then need to drill down to the net worth of the household sector. You want to be satisfied that if they're taking on additional credit, the assets they're acquiring, whether they be financial or real, retain their value so that the overall net worth of the household sector continues to grow.
The other factor that we look at very carefully is the debt service ratio for the household sector. The fact is that the debt service ratio, notwithstanding the increase in overall household credit, has remained very, very low, and of course that is a function of the fact that we have very low interest rates in Canada. That's one of the byproducts of a low, stable inflation environment.