I guess I don't really see that as a problem, and I'll explain why. There hasn't been a lack of access to consumer credit. Unfortunately, I didn't put the slide in showing the indebtedness of consumers in Canada and the United States. They are wildly overleveraged. The problem isn't being able to get credit at the consumer side; it's that they have too much credit in terms of what they can carry.
On March 24th, 2009. See this statement in context.