It is well understood that there were increasing concerns—and certainly our research supports those concerns—about the high level of indebtedness of consumers generally, and particularly those consumers whom we consider vulnerable.
I mentioned in my opening remarks our financial consumers survey, which we publish on a five-year basis. We published it last fall, and certainly the information in that survey corroborated the high levels of indebtedness and the lack of resiliency among Canadian consumers. If you would like more detail on that, Ruth was instrumental in that survey. She could go a little deeper if you would like.