Your predecessors have all sounded the alarm about the level of indebtedness of Canadian families. They have said that the rates of indebtedness was not going to go down. According to your report, the rate is reaching a plateau and it will slow down and stabilize at 177%.
Could you explain why you have come to the conclusion that the rate is about to level off? Are there indicators that tell you that Canadians are paying off their debts more seriously than in the past?