Well, I am concerned about the indebtedness of Canadians. When you talk about Canadians, there are many different experiences. Certainly, some Canadians have gotten more into debt, but actually, if you look on average at Canadian debt, household debt levels have been relatively stable now for a number of years and are even down. They were rising for many years. We highlighted this as a vulnerability. They went down during COVID. They've not been trending up. In fact, if anything, they've been trending down.
There are some different ways to measure it. I won't get into the technicalities, but—