Thanks, Mr. Chair.
I'll preface this line of questioning, I guess, by saying that of course we recognize the importance of credit to businesses and consumers right now, and the problems getting that credit are making it very difficult. We hear it time and time again. But I get a little bit concerned. I hear you say the industry needs to “find the bottom”, and it seems to me one of the reasons we're heading for the bottom in the first place is loose credit. It seems to me there are a lot of commentators out there who look at the situation in the States and say that a big part of where we are right now is because people are taking on way too much consumer credit. I'm talking about consumer credit here. With loosening consumer credit, while obviously we all agree it's a significant part of the answer, is there a danger in terms of trying to solve this long-term viability question by maybe over-loosening credit? What is the danger? Maybe you could speak to the danger of that, the potential of us over-loosening credit, people taking on—you know there are huge opportunities to buy vehicles, but if people are buying vehicles they still can't afford on credit, that might be a problem.