One of the main concerns, as mentioned by one of the members here, was raised in the past by Governor Carney with respect to personal household dept.
Looking at generational lessons, my grandparents' lesson was that of the Great Depression. For my parents it was paying down a mortgage at very high rates. A generational lesson for someone in their twenties today is that rates will be low for a very long period of time; therefore, it's almost prudent from their point of view to take on more dept than is prudent with rates at a higher level.
To get some further reaction to that, are you concerned about the generational lesson that's being given to young people today in their twenties and early thirties, in terms of personal debt?