Thank you, and thank you, Governor.
I saw a quote this weekend that Bank of Canada Governor Tiff Macklem has warned about Canada's huge household debt problem. Some economists believe this is a bigger problem than government debt, which is also skyrocketing, as you know.
On the expectation of interest rates, you've held at 2.25%, yet the spread has gone up by 50 basis points in the last two months.
What's the likelihood that you're going to be able to market debt at the current rates in the foreseeable future, or are we going to face an increase in our interest rates across the board in Canada?