Mr. Chair, the member is asking about a private member's bill that has yet to come before committee. We'll speak to that bill when it comes through committee.
But on page 3 of our formal submission to this finance committee, we talk about something Mr. Carney has spoken to you about, and publicly, and that's the red line: household debt to personal disposable income, tracked against total government net debt and corporate credit market debt to equity. Those trend lines are downwards.