I'll be very quick, Mr. Chair, because you said half a minute.
We have to remember that interest costs are two things. They are the interest rate times the actual amount of debt. We're taking on a huge amount of debt right now at the public level. Plus we have significant debt at the private level. In fact that debt has even gone up with all these deferrals because people are going to have to pay back utility bills, mortgage payments and taxes that were deferred. Then there's a lot of tax to be paid on the income support that is currently being provided.
Dealing with our debt overload is going to be a very significant issue for all sectors of the economy. It's not just that the interest rate may go up. It's also the fact that there's been so much new debt taken on. It's just a fact that we're going to have to be concerned about.