I think Canadians are listening, actually, and if you look at the chart you referenced, on page 20, in English, you see the blue line particularly, which is the year-on-year growth of total household debt—mortgages and including consumer and credit card debt—and that has fallen to just over 3% on a year-on-year basis, which is just above the growth of disposable income.
I said in my opening statement that we expect the household debt ratio to stabilize around current levels. It's a reasonable prospect that this year, in the coming quarters, actually, we will see a stabilization of the household debt ratio. Obviously, we're watching this very closely. You're watching this closely. This is one of the reasons why we see a more “constructive” evolution of the imbalances in the household sector and have adjusted our guidance on interest rates.