I'm very concerned about this at the household level in Alberta. I saw a report last week that said Calgary, unfortunately, leads the way in non-mortgage consumer debt, with an average of $24,500 per household. Shortly behind is Edmonton, with $24,000. I see the trickle-down effect that you are referring to. It's very easy for these callbacks to domino very quickly back down to Canadians.
How would that and what you described affect the bank's decision-making? You talked about next week as a very pivotal point, with June 10 approaching in fewer than two weeks. You discussed vulnerabilities and touched on several factors that the bank will be considering. You referred to employment. Of course, we've seen significant, high unemployment rates. I like what you said about youth. We've seen youth having trouble obtaining employment across the country.
How will those vulnerabilities affect your decision-making as you make a decision for June 10, after two quarters of negative reporting?