Thank you very much.
I appreciate your being here today.
I think this is a very serious subject. Of course, Canada is the most indebted nation in the G7. Consumer debt is, both in popular media and in academic writings, a very serious issue, and I give you all my best in trying to manage this situation as we go forward.
I have just a couple of questions for you. I want to take this to a fairly high level. If you were to look at the mortgage market right now in Canada, and you were looking at a green with everything being fine and good, a yellow for the most part being pretty good but with some concerns, or a red being that we have some serious concerns, where would you put the Canadian mortgage market right now?