I have only one minute.
Mr. Clark, thank you very much for your idea about how it would be almost criminal not to borrow and for all the reasons you've articulated, which all strike me as eminent common sense.
Specifically on the infrastructure spending idea, building on what Mr. Brison asked you, the multiplier the committee has heard in the past for spending on infrastructure in the municipal context is about 1.6 for every dollar and zero for tax cuts.