Again, in terms of the focus on debt, I think the policies go far beyond the idea of preventing a particular household from getting itself in trouble. The concern here is that if there are enough households that are highly indebted and we should have the misfortune, say, of having a rise in the unemployment rate around the country, the fact that households are highly indebted will make the circumstances in the economy even worse and, in the worst case, increase the stress in the financial system. That just comes back to bite the original people we are all trying to protect in the first place, to make the system safe.
