We did a study earlier this year in which we looked at Canadians' household debt and their debt service ratio and we showed that over the next five years the service ratio will increase. That is obviously a pressure on households in terms of their finances, because as the debt service ratio goes up, it means they cannot spend the money on other things that they normally spend it on.
There is certainly an increase and more pressure on households. Whether that's a crisis or not, that's a different issue. I can't really say whether that would lead to a crisis for households, but certainly, it would increase the pressure on households.