Thank you, Mr. Chair.
I'm going to go fairly quickly, because it's a very interesting panel and I only have seven minutes.
We are in a dilemma, as I think my colleague across the way said. Here we have the IMF report this week saying good things about the Canadian banking system. We've had a number of reports about Canadian banking, how solid it is, and that's why we're in better shape than many other countries around the world. We've had quarterly profits announced by your organization, the banking organization, with all making money. Many pension plans, including, I believe, the CPP, have a lot of money invested in banks. So you're making money. A company in this marketplace making money is not a bad thing, in my view.
But we have also reduced the bank rate to near zero. In the same week, I'm hearing...and it happened to me. My bank raised my personal line of credit by 2%. Somebody needs to explain to me, so I can explain to my people, how can the bank rate go down, things be in such good shape for the banks, and I still get a 2% increase?