Yes, this is the last point.
On oil prices and energy prices, if oil prices go up $10 and they just stay there for the next couple of years, what happens to the Canadian economy? Well, the answer is that if natural gas prices go up proportionately with oil, and if investment gets going in the oil patch, that's very good for the Canadian economy. But there's a lot of talk about the impact of higher oil prices, and we've done quite a bit of thorough work here showing that what really drives the economy is not higher oil prices; it's only if and when those start to lead to business investment that you really get economic growth. It's not so much oil, but natural gas. We export way more natural gas, especially on a net export basis, than oil. So it's really important what's happening to natural gas.
So when we talk about the impact of energy on our economic growth and on the Canadian dollar, it's important to know what's happening to investment in the oil business and what's happening to natural gas.
So with that, I'll leave it and will be open to your questions. Thanks.