We do a lot of analysis on household debt, because the matter is very important to the Department of Finance. The Bank of Canada is also concerned about the matter. We have implemented a number of major steps in that regard.
For most families, about two-thirds of the debt, maybe more, is from their mortgage, especially from fixed rate mortgages. We know that we have to study the changes that will have to be made with mortgages. We have done so several times in the past and the steps we have taken have had a real influence on the situation. So we see it as important and we will continue to take a great interest in household debt in order to reduce the risks that it may cause in the future.