It is sad, because if people want to buy something, to create leverage, it is often through their main residence that they manage, over the years, to build up wealth. Now, unfortunately, they have to sell it, at a loss, to pay off their debts and end up in accommodation that costs them even more than what they were paying for their house. It is incredibly sad.
Mr. St‑Arnaud, you spoke of our economy being more vulnerable to shocks. I would very much like you to tell me a little more about that. You also spoke of the low productivity of our businesses. As we know, we are several decades behind global standards. I would like you to tell us more about the vulnerability of our economy.