Based on your experiences and the fact that the core is shrinking, do we think that can be attributed more to the fact that there's more household debt, that people have less disposable income, that they're working longer hours for less remuneration, or more to societal shifts?
I remember when I was a child we were individually referred to as citizens, which implied a sense of community and responsibility towards each other, whereas now we're all just simply referred to as taxpayers and brought down to that lowest denominator of money. We're a combination.
It will wrap up my five minutes, I'm sure, but if each of you has a comment to make on that, as to whether it is one or the other or both, I'd be interested in hearing it.