Yes, frozen, but that doesn't mean it can't go in the other direction.
That's not a threat; that's the reality.
I have two questions, and one is for my friends from the banks. You talked about household debt being a problem. My question is twofold: one, what can the federal government do to try to improve the household debt issue, from a policy perspective; and two, are the banks not responsible a bit for that? Most people, from a personal point of view, get their money from either the bank or a credit card, and I think you're involved in both. I'd be happy to have an answer on either.
Then for Mr. Poschmann, when we get a chance—hopefully we get a chance—on the personal tax rates that you talked about, is there a better way of changing that? Is it threshold changes or is it percentage changes? Or do you have an opinion?
Those are my questions.