Okay. Thank you for that update.
I want to ask the governor to comment a little more broadly on the issue of household debt, which the governor has commented on already during this hearing. The bank issued a report in May that raised serious concerns about household debt being likely to rise. It was noted at the end of that report that the number of vulnerable households, those putting more than 40% of their income towards paying off debt, is likely to rise due to the economic circumstances arising from the pandemic. It's been about a month since that report. Would you care to comment on that serious issue, especially at a time when we see that the household debt ratio has reached 176.9% according to Statistics Canada, which is close to an all-time high?