Mr. Speaker, there are two aspects to personal indebtedness, and one is mortgage insurance. We have moved four times to tighten that market and the Office of the Superintendent of Financial Institutions also has in the past year. That has had a moderating effect on mortgage interest, which is important in Canada, and on the real estate market.
On the other hand, on credit cards, I have already explained. The facts are that credit card debt is going down in Canada. Canadians are getting the message to be careful about personal debt because interest rates are bound to rise inevitably.