Thank you.
Back to the governor, I'm having a little trouble understanding exactly what the reticence is around discussing interest rates. You seem not really quite ready to go there. You have said, in this meeting, that you've no plans to raise them. They're at the lower bound. Are interest rates going to stay at that lower bound, or do you think they're going to rise?
One of the other things that play into this is—and you mentioned this earlier with the mortgage deferrals—many people have described what they see as the “deferral cliff”. I don't think we're anywhere near the end of this crisis from a monetary perspective. How long can the bank keep this up and not have to deal with the possibility of inflation?