Yes, there are just a couple of things.
First of all, to Ms. Glover's points, I don't know why we're debating the committee's motion on electronic payments, because that has been adopted. We're going to study that so we don't need to debate whether or not we're going to study it. We are going to study it. The discussion will be on how many meetings we have on it.
Concerning the question around international comparisons, I mean of course the global financial crisis was in effect caused by a personal debt bubble, and when the housing market crashed, it crashed economies around the world, so it's fairly important for us to take a look at it. Certainly, the International Monetary Fund and many other organizations have studied this issue, and I think their testimony and/or their reports might be relevant information for us to take a look at as part of a study here.
I think to our credit Canada has not had the same kind of—although we had a downturn in our economy and we were into recession—disastrous crash that other economies and other countries have faced. But we still see personal debt rising, so I think it is something that is of concern to Canadians and anyone who is in the housing market. It's something they follow very closely, and they want to make sure that their elected representatives, especially on this committee, are on top of the issue and are keeping it front of mind.
I think it is absolutely something that we should consider and adopt as a study. While I think it's a pressing issue, if it's something that we can take a look at this fall, I think that would be prudent.