Mr. Mulcair, thank you very much for the question.
Frankly, we are in a grand experiment right now. None of us has ever seen this before. That's part of the reason Don and I have such huge challenges with the economic forecast right now. By the way, ours will be out in two weeks. It's going to be darker. Unfortunately, Mr. McCallum, the average is probably going down over the course of the next few weeks.
But it's a grand experiment. It's almost learning by doing. Perhaps I'll relate a little story. Early in my career I had a chance at the federal Department of Finance to work on the Latin American debt crisis. It took the world four years to understand that when countries can't afford to pay, you have to be prepared to reduce principal. It took us four years to reach that point.