Thank you, Mr. Chair.
Congratulations on your appointment, Governor.
I want to circle back to the question of interest rates. The reason I want to do that is, when it comes to the relationship, if you will, that millions of Canadians have with the Bank of Canada, whether they realize it or not, it comes down to the interest rate, because that's what affects their pocketbooks.
You said at the beginning that the overnight rate at 0.25% was the lower boundary of the rate. You also said that you don't anticipate rates going up at all. Are you of the view, basically, that it's going to be 0.25% for a long period of time? How long might that be?