Okay.
It was said earlier that personal debt has been increasing for a number of years. I had a figure of 165%, and you mentioned 167%. That's a lot. Borrowers are less able to make their payments. According to the “blues” of the last meeting, 72% of the debt consists of mortgages. It may have been you, Mr. Tremblay, who mentioned this the last time.
The measures have been in place for only four months. Do you think they're helping to improve things with regard to this issue? Do you see differences from province to province?