Bank staff are exploring the circumstances under which it might be appropriate for the central bank to issue its own digital currency for retail transactions. All central banks are researching this. We will have more to say about the subject in the months ahead. Conclusion Now I am ready to conclude.
Cyber threats, elevated household debt, youth underemployment— these are all long-term issues that will continue to be major preoccupations for myself personally, and for the Bank of Canada. I hope I have not spoiled your festive, pre-holiday mood by talking about my preoccupations.