Mr. Turner has his pet hobby horse of the housing industry; mine is the Canadian penny. I'd be interested in hearing your comments on whether you think we should keep it or not, based on the revenue it produces.
But before you get to the most important penny question, you made a half-point reduction in the Bank of Canada rate--a significant cut. For us and the folks watching, I wonder if you could give a very brief overview as to why you believe it was the right thing to do at this time.