Mr. Antunes, you've said that you are one of the 42% of Canadian families who have provided extended periods of free rent to their adult children. There is some evidence to suggest, judging by discussions I've had with some economists, including bank economists, that there has been a significant increase in the direct financial support of young adults by families.
Is this one of the driving factors of higher levels of family debt in Canada? Is this one of the factors that is driving record levels of personal debt?