Thank you very much, Governor. I put the question to you simply because, relatively speaking, Canadian banks are quite stable but we do obviously operate in an international context.
Certainly the bank is not distant. It has taken an active role, arguably the most active role it has seen for itself in Canadian history. However, for many Canadians, federal institutions can seem distant. Do you have a message for everyday Canadians about the approach the bank is taking and how the bank's actions are having an impact on their lives? What is the focus in terms of making sure that people's lives are stable and secure? How does the central bank go forward with that in mind?