easier to get. now, the average credit score is up about four points from last year to 669. this is courtesy of our friends at experion, compared to 673. it's only six points away from the average credit score in 2007, which was -- back in 2007 it was 679, so we're getting close to where we are. here's one thing to think about, mortgage rates are up since the election. take a look at this, this is just since the election. you're now paying probably a little over 4% for a 30-year mortgage if you have the best credit, but the best credit means having a credit score of 720 or higher. so that's where we stand with the american consumer. now turning to other business, canadian prime minister justin trudeau has given the go ahead to a controversial expansion of an oil pipeline linking the oil sands in alberta to a tanker port in british columbia. cnbc's nancy hungerford joins us live from london. nancy, good morning to you.