In the summary, it talks about exactly what you guys talked about in your paper. It had to do with vulnerabilities, and that shock to the system could actually spin us into a very dark place in terms of either a recession or Canadian households would not have the ability to bounce back.
You expressed some concerns in it. The Bank of Canada is expressing concerns going into the future as well.
What advice would you have for parliamentarians to watch for as a distant early warning system, I guess, for something like this happening? The way I see it right now, both the Bank of Canada and you have very forcefully—because you wrote it in a paper and you're giving it light—said that household indebtedness in Canada is very concerning, and that if something were to happen, we're vulnerable. What advice would you give to parliamentarians in terms of what we should be watching for and what we should be doing?