Thank you, Mr. Chair. Thank you to our guests.
There have been a lot of numbers thrown around. One of the concerns people also have is the amount of debt load that people are carrying. In fact, the average for Canadians in 1984, or the mid-1980s, was about 70¢ on every dollar. Now we're clocking in at $1.25 or $1.27 or somewhere around that amount for every dollar.
Of course, if they're in that kind of debt, it has a profound effect on people's ability to save. I don't know which guests—maybe Mr. Pierlot—want to try this question, but have you looked at how the personal debt ratio affect people's ability to save? Does it disproportionally affect women more than men? I think we need to look not just at real wages, though that's important, but also at debt. I'm just wondering whether you've looked at this.
Do you have an opinion on the personal debt load of Canadians?