Thank you, Chair.
By the way, Governor, for what it's worth, I didn't hear you endorse a blue seal plan of any kind, but if you're ever tempted, I would just say I'd be careful about that. Mr. Poilievre has the tendency of suggesting that certain people get fired even when they're doing very good work.
What I want to talk about is the impact of the rate cuts on people. Concerning the most recent rate cut or series of rate cuts, how do you anticipate people will feel that in their day-to-day lives?