That's a very good question. I think the point I made earlier, that we became very sensitive to higher interest rates, is exactly what we are talking about. I do believe that house prices will fall, and that's a good thing, because I think we need this kind of adjustment. I don't think we are in a crash type of situation like in the U.S., because for that you need extremely high interest rates and you need a sub-prime type of situation, and we don't have these preconditions for a crash.
I do see an adjustment in the housing market, and after that I see a housing market that will go nowhere for a long period of time.