Thank you, Mr. Butler.
Ms. Bednar, you mentioned that, obviously, there are some Canadians who are paying for burritos in instalments. Even though there may be a deal and it may be an alternative to using a credit card, it is a sign of a cash flow restraint.
This is a household debt study, but you mentioned something that I found interesting. You said private debt is compensating for public policy failure. Could you expand on that?