We will go with one question each from Mr. Ste-Marie, Mr. Julian, Mr. Kelly and Mr. Fragiskatos, and then we'll have to end.
I would say, Governor, that I'm sure glad we're learning from the lessons of history. I'm one—and there may be others on this committee—who faced a 23% interest rate in the 1980s, and I'll tell you we paid for that for a very long time. Lessons from history are a good thing.
Mr. Ste-Marie, you can have one question.