Thank you, Mr. Chair.
Governor, you've spoken of the financially vulnerable and those who are paying more than 40% of their income in debt servicing. Has the bank done some analysis as to how many Canadians fall into that category, how large the scale of that issue is, and secondly of the profile of these families? Are they middle class families who've had some disruption to their work, who may have lost full-time work and have gone into part-time work because of the decline in manufacturing? Or are they low-income families who have been strapped from the beginning?
What is the analysis the bank has done in this area?