The other thing that strikes me is that Canadians have quite a bit of equity tied up in their homes, and I think this relates to another colleague's questions. I'm trying to understand the percentage of debt that Canadians are carrying and the amount of equity that many Canadians—not all of them, but quite a number of them—have in their homes. Can you speak to that at all?
I view a home largely as a savings account. As you're paying your mortgage, obviously there's a percentage of interest, which is painful to have to pay, but people are saving money in their homes. That's part of their financial security, and if they ever had to, that's something they could leverage in order to get through difficult times.