Well, that may be arguable, and I certainly wouldn't dispute it.
I wanted to reference Dr. Peters' comment in the second to last paragraph, where he says that credit interest rate spreads in Canada are unhealthily wide, suggesting that our financial system is also under severe strain. I contrast that with Ms. Dickson's comments that OSFI continues to do its own analysis of the condition of financial institutions, of the overall financial sector.
It seems that you paint a rather healthier, rosier picture of our system than do Dr. Peters and Dr. Donner. I'd be interested in your comments on that.