As is the case for many markets, I think that increases happen over short periods. So it is my sense that the housing market has grown considerably in recent years and that, given where family incomes and people's salaries are at, we cannot go any further.
That is why I remain optimistic. I see an adjustment taking place and prices remaining relatively stable for a number of years yet. I do not foresee a crash or a spike. I think that we have regained some ground and that things will be much calmer in the next few years.