All right.
You've talked about the headline number, which actually seems alarming enough to me: 177% debt to income. That's higher than in almost all of our peer countries. It's the highest in the G7. The headline number itself seems alarming, but all of you testified to say that it's actually quite a bit worse than that, because if you subtract the highest quintile of income earners, it's more like...I think the number was 428% debt to income.
Again, incomes need to rise significantly to get out of this. Without rising incomes, this hits a brick wall sooner or later. What concerns do you have about how important it is that we have a more productive economy with higher wages, higher earnings, so that people can grow their earnings into the debt they already have?