All right. Then I shall move on to Mr. Bolduc, if I may.
Right now, Canada has the highest debt of all the countries in the G7. That's consumer debt as well. Consumer debt alone is at 103% of GDP, not counting all the government debt that would layer in at a significant level on top of that. Consumer debt is 177% of disposable income, yet our debt service ratio in Canada is significantly higher than it is in the United States. It's about 14.6% of disposable income in Canada versus about 11.3% in the U.S.
Can you tell me why we have that differential with the United States? Why are Canadians spending so much more on interest than our neighbours just across the border to the south of us?