Thank you; that's very commendable.
We're developing a picture here showing that Canadians, by and large, as we found in another study, are very good at banking; that means we don't lose money. Are we a little bit cautious? Is that part of the problem?
I see your hand, but I want to just finish my statement here first. I'm wondering: if investors don't want to make the plunge, the first thing we start to do is point at the government; but will we then become part of that three-F as taxpayers? Is it just part of our national identity that we're very cautious, that we don't like to take those plunges?
Okay, Mr. Wilkes