Thanks Dart, adding to your comments …Just take household service debt, we are now at $ 1.82 to $ 1.00 of disposable income. This debt dome is going to explode. Households hav been living large and with financial institutions willing to dish out money like Justin did during the C19 ramp up. Not only is the Canadian economy heading into the tank but so is the Global financial systems. We have 4-6 months of UGLY ahead of us to fight through.