I don't think so. I think the indebtedness issue is clearly tied to a long period of very low financing rates and essentially to people taking on a lot of housing debt in purchasing homes.
The issue of the youth staying at home is directly in line with the fact that they are having trouble finding work. Essentially we have seen employment rates for the youth well below where they were in 2007-08, for example, before the recession.
If you are asking me whether I think the debt issue is a concern, our sense is that right now we are seeing very low debt-financing costs in historical terms. Debt financing as a share of disposable income is roughly 6% or 7%, and that's a fairly low level.
We are concerned about what rising rates, when they come, will mean for household spending and disposable income.