Households are certainly vulnerable to changes of that nature. We're talking about a vulnerability, which is not the same thing as a risk. In order to have a risk, you need a catalyst. In certain regions of the country, the oil shock is providing the catalyst. As for banks and other financial institutions, we believe the system is functioning properly. It worked well during and after the crisis, and continues to work well today.
Carolyn, did you have anything to add about household debt?