Thank you. That's interesting. I guess I just assess the general debt load of the average Canadian, and unfortunately we've seen something of a different paradigm when it comes to the personal finances of Canadians. I appreciate your perspective on that.
In terms of those lines of credit, I would reference some of the things my constituents are telling me. They're concerned about the banks' activities. Some banks and some institutions were pulling back on those lines of credit if in fact the borrowers were not utilizing them. Maybe six months ago there was a real effort there. Do you have a sense as to where that stands today? Are banks continuing to go after these unused lines of credit? As you said, many companies were trying to ensure that they would have that leeway if they fell into a situation of needing it. On the flip side, they felt that the banks were requiring that there be a fee now levied against those businesses. What's your assessment of that? Have you done any research on that?