Thank you.
Again, I'm really pleased that we've covered a lot of different subjects.
We touched briefly on household debt and how much of a concern that was. I also notice that TransUnion's market trends looked at the latest results and that there was a pretty large reduction, so it's certainly heading in the right direction.
Also of interest to me personally was my meeting this week with the Financial Consumer Agency of Canada, which has actually done some micro-level analysis in the riding that I represent, in terms of a much higher use of lines of credit versus other areas. They were saying that the debt was looking very different and that was very much a regional issue at times.
Could you talk a little bit more of the trend and perhaps on that regional sort of analysis of household debt and its potential impacts?