For us, innovation comes from taking a hard look at what we’re doing and considering alternatives. Hubris is the enemy of sound policy. Innovation comes from involving people, like you here today, in our quest to find the best answers. Our commitment to innovation extends to all parts of our business.
It will give us the tools to support Canada’s economic and financial well-being for the next 80 years and beyond. 19  J. Muellbauer, P. St-Amant and D. Williams, “Credit Conditions and Consumption, House Prices and Debt: What Makes Canada Different?” Staff Working Paper No.