With respect to household credit growth, Chart 14b, shows that the trend growth of mortgage credit declined  example, Chart 6 in the December 2014 Financial System Review shows that the affordability of houses in Canada has been relatively unchanged since 2008.
I have no doubt that the members of our banking community will all continue to work together toward this end of providing better payment services to our people. Our next step is to collaborate on how to best implement not only the merger of ATM and POS or point of sales operations, but the overall integration of our payments system.