Well, the one thing that needs to be recognized is that while the housing market is something that's near and dear to all our hearts, and something that's very prominent, housing is a relatively small proportion of the economy. We do see a strong housing market going forward. We saw part of this recovery in the second quarter. But we're talking tenths of a percentage point in the contributions from the housing market as a whole.
We will say, though, that in our view, although it's tough to quantify these things, the combination of the clear ending of the crisis--the free fall, if you will--the monetary stimulus and the fiscal stimulus, and the coordination that was seen globally should have had, and likely did have, a knock-on effect on the confidence of households.