The household debt ratio is about 165%. Debt service, of course, is extraordinarily low because interest rates are very low at this point. Our belief is that as the economy continues to close the gap and recover, those ratios will gradually improve because exports will take the lead in economic growth.
However, when we say the risk is that if there's a deterioration in the economic outlook that would be a more fragile situation, what we're referring to is if there were another shock. Let's say the U.S. economy were to falter and slip into recession, or something happened in Europe to cause another global downturn. That would cause unemployment to rise in Canada, and that's when debt service becomes more difficult.