Thank you.
We have historically high levels of debt in every major part of the economy: consumers, governments and businesses. We talked about the challenges that households will have with higher interest rates and refinancing. I know the bank put something out yesterday.
Are you worried that there is not a lot of room left for the bank to move interest rates up before the rest of the stuff starts to break, before the model starts to break, before people can't afford...? Just briefly, how much room do you have left to move before you're worried?