Thank you, Mr. Page, and thanks to you and your team for being here and for the work you do on behalf of Parliament and on behalf of Canadians.
In your report, you expect that the Bank of Canada will keep interest rates where they are until 2015, yet Governor Carney constantly warns us of personal debt levels in Canada and keeps the door open to changes. How would a modest increase in rates prior to 2015...what sort of quantum would be the effect on your projections?