In some respects this goes back to the question from Mr. McCallum earlier about the risk of household spending being higher than expected. Our expectation is that there is going to be a slowdown in the rate of debt accumulation of households, most notably through the mortgage side and the residential side. But if that doesn't transpire, yes, it's an issue for us, all things being equal, because there would be the impact that it has on activity and inflation.
All other things aren't equal, ever, so we have to take everything into account. But yes, we do look at the momentum in housing markets and in consumption.