I appreciate that.
The second item I want to touch on is household debt. It's an issue you have raised constantly, certainly at this committee. The linkage between, obviously, the overnight target rate.... The prime lending rate is somewhat linked to the overnight target rate. It's more obviously long-term than the overnight rate is. But with respect to generational lessons that are being learned, if you look at our grandparents' generation, who lived through the Great Depression, they certainly learned a lesson about debt. My parents paying off mortgages at double-digit rates was certainly a lesson learned.
If you're 25 to 30 years old today, you've experienced very low rates with respect to lines of credit and with respect to mortgages. It's hard not to learn that generational lesson now. As I mentioned, there's a relationship—it's not an exact relationship—between the rates that the bank sets and the rates that they get from their own financial institutions. But to what extent has keeping the overnight rate low had an impact with respect to household debt?