I can finish out the segment here.
When you say that the savings rates are higher, how is that distributed? For consumer debt, we were told by both of the credit rating agencies in Canada that the number of debtors is not rising, but the amount of indebtedness among existing borrowers is. The people who are in debt are getting deeper in debt across the income spectrum.
Is it a case of the very wealthiest being able to save and everybody else going deeper into debt?