I want to go back for a second to the household debt and my comment a moment ago as to whether or not a fairly large portion of the population have perhaps maxed out their credit cards. I spend quite a bit of time in food courts and Tim Hortons listening to people and talking to them about what's going on in their lives. One of the things they're starting to say is that they feel maxed out.
I thought I'd toss that back to you, as much for information as anything.