Thank you all for being here and participating in what could be described as a fascinating subject, especially for those of us who are having trouble still figuring out BlackBerrys. We see the new technology that's been displayed here. It's quite remarkable.
Ms. Tedesco, you touched with Mr. Adler on the subject of whether or not people spend more money. I would suspect it is quite a bit more.
Ms. Pohlmann, I think we've had this discussion as well before, and I think we're still members of your organization at home. There's the ability to pay now for what normally in the past.... If you had cash in your pocket you'd look and you'd say, “We can't go out for dinner. I have $20 left and that has to last me for the rest of the week.” Hasn't this changed the whole culture that we live in?
I guess that's two things. I sympathize with your members because I'm one of those members. By the same token, I recognize that so many of those things they rail against, so many of those things we railed against really have made business that much easier.
As the first thing, I'll ask you to comment on that a bit.
Could you suggest whether or not some of the huge debt being incurred by the Canadian family is possibly a result of an immature populace that's moving into this new electronic age?
Ms. Pohlmann first.