Thank you, Mr. Chairman.
On a different subject, you addressed debt. I'm looking at pages 16 and 17. Maybe you can talk a little about the difference between individual debt and business debt. I think chart 15 explains why you feel that the business debt has levelled off but individual debt seems to be on the increase.
I have two questions. Not to be facetious, but why would you care about people's debt or household debt or debt increasing? Shouldn't that be the problem of the lenders? Care is perhaps a strong word, but is your concern or your mandate more to deal with the actual individuals who are doing the lending?