With respect to debt, this is a risk, and for some time the Bank of Canada has underlined that household debt is high. The government and CMHC have taken a number of actions to try to ensure that the debt levels of more vulnerable Canadians are not going up. We don't want to get Canadians into more debt than they can handle, so a number of what are often called “macroprudential” measures have been taken by OSFI, by the government and by CMHC.
There have also been some provincial initiatives with respect to the housing market. Those are helpful in making sure it's not only the level of the debt; it's who holds the debt. Some people have the capacity. What you want to do is make sure that others don't.
Yes, it would have been better if we'd gone into this crisis with less household debt, but the fact that we've lowered interest rates is making that debt easier to service. The fiscal programs that are replacing the income lost are helping people service their debts, and as I said before, the most important thing to servicing your debt is having a job. We have to support recovery and get people back to work.