If I could just acknowledge the question, to be very brief, indeed, we would have to consider the entire debt load that the national economy is supporting from a corporate, household, and total government basis.
Again, when you talk about interest rate sensitivity, it's what is the ability of a household to withstand interest rate increases against their household debt payments, which are predominantly, as the minister suggested, two-thirds of the mortgage payments, likewise the balance sheets of provincial, territorial, and local governments. Then again, as we talk increasingly in a higher yield environment, what is the ability of the corporate sector to incentivize its own investment in the face of higher corporate spreads and higher yields?