Thank you, Chair.
Welcome to all of you.
I was pleased to see that the Bank of Canada, in your earlier comments, doesn't speculate but deals with facts. But I'm going to ask you to maybe do just that, only in a little different situation and with regard to the U.S. situation rather than Canada. The reason I would ask that, of course, is that the relationship is well cemented; there are the references to one sneezing and the other catching the cold, and the mouse and the elephant. But in the assessment of the current financial health of the U.S. institutions, certainly that has serious and severe implications for the general direction of the Bank of Canada and/or Canada as a whole. Would you be in a position to just speculate on the current assessment of the U.S. financial services sector, and also the future prospects of the U.S., both in long-term and short-term growth?