There is no doubt that we could invest more. For example, if you look at the rate of investment in information and communication technology relative to sales for Canadian businesses, it is almost half of what we see with our neighbours to the south. We are not making full use even of the technologies that are available out there right now, so that is a key thing.
Broadly speaking, I don't know how we incent businesses.... Oh, you asked about cash. That was the other thing I was going to talk about.
Right now, cash levels are elevated in businesses, compared to what we would have seen prior to the financial crisis. It is not clear how much of that is due to concerns about access to cash, because there were shortages of that prior to the financial crisis.