Thank you, Mr. Chair.
I'd like to ask this question to the Hon. Mr. Peters or Mr. Donner. We're here today talking about how we can enhance credit availability. We've heard clearly, from both businesses and consumers, that interest rates are deterring them from enjoying credit availability. Maybe you could talk a little bit about what good it is to increase loans and credit, if interest rates are higher than ever and are deterring consumers and businesses from accessing credit.