Well, the downside risks are several-fold, and it's one of the downside risks we've highlighted for a number of reports for our outlook on inflation.
Chair, I don't know if I have time to give a full answer to this, but they would go to the direct issues around construction. They would go to the use of home equity withdrawal to support consumption. There would be less through the balance sheets of the banks. But I'll stop there, and then if others want to follow up, I can expand.