Thank you, Mr. Chair; and thank you to all our witnesses.
I'm not sure to whom to address this question, so I'll just ask it and leave it open.
Benjamin Tal, the deputy chief economist at CIBC and an ex-colleague of mine many moons ago, recently pointed to significant savings of Canadian businesses and households as a potential source of massive economic growth as people regain confidence in the economy and return to normal spending habits.
Would you agree with Mr. Tal's views, and is there any reason to be concerned with the savings Canadians have collected during the pandemic? Would this, in the long run, help our economic recovery?