Since you were here in November, we have studied the indebtedness of Canadians. I note also, in your report, that the two main drivers of GDP growth right now are consumption and government. Both of those baskets, I guess, are fuelled by debt. Consumers, we are told, are increasingly in debt; they are going deeper into debt. They are struggling because their incomes are not keeping up with their ability to service debt.
Are you concerned about the indebtedness of Canadians, as well as the indebtedness of government?