Thank you very much for being here, Governor and Deputy Governor. Whenever you come here, like my colleague Mr. Dusseault, I take advantage of the opportunity to put questions to you about the indebtedness of Canadians.
When I go door to door in my riding, that is a question that comes up often. The advantage we have here is that you provide us with very clear explanations about the effects of this debt on the economy or the Canadian financial system.
Are you optimistic with regard to the stabilization of Canadian household debt, or are we still in a zone where we must be careful?