Yes, definitely.
Regarding household debt, I already mentioned that three measures had been taken concerning mortgage debt. The debt level depends heavily on the profile of the investor or the person. Actually it varies a lot depending on age level and income level. The matter of mortgage debt must be followed very closely. The amortization term could be taken into consideration. As for consumer debt, we said that an increase in the minimum payment was a good signal to send out.
In the end, I think that we should take a pro-active approach to this problem and integrate aspects of education and financial literacy. Furthermore, an announcement has been made that November will be Financial Literacy Month. We made this announcement at the beginning of the month in the context of some major initiatives. The Desjardins Group attaches great importance to everything educational. Moreover we're going to make some important announcements next week. Consumers and the population must also assume responsibility in this area. They could spend a little less time choosing a television set and spend a little more time becoming acquainted with their financial products and services.