Finance committee  It's important to remember that.... I am sorry, but I am going to have to answer in English. It's important to remember, when you look at household debt, that the majority of that debt is mortgages. Credit cards are really only about 5% or 6%. Auto loans are growing, but I thin

Finance committee  That's a very big topic, and it's a really good question. I thank you for that. First of all, it's important to remember what capital is there for. Banks have to have capital, because capital supports lending, but capital also allows you to manage your risk. It acts as a shock a

Finance committee  Minister Flaherty is absolutely right; we are not an island. There's probably no other country in the world better placed to resist or deal with pressures we see elsewhere in the world, but we will not be immune. You asked specifically about the fiscal cliff. I remain an optimis

Finance committee  First, let's put these things into a little bit of context. There are a lot of dangers out there, and of course, probably the poster child for real problems that will take a long time to solve is Europe; you're absolutely right. Remember, even if China is slower, it's still growi