Thank you both.
Marty, as you know, the Minister of Finance is up next, so that might be a question you'd want to raise.
Governor, I'll tell you, I was around in the 1980s and owed a lot of money on the farm. When interest rates were 22.5%, it was rough. Therefore, yes, interest rates are low today.
We'll go to Ms. Koutrakis, and then over to you, Elizabeth May.
Ms. Koutrakis.