It's slightly a product of where they are in their life cycle.
As we all know, we all started out at one point, and you had to stretch a bit to take on a mortgage. It depends on whether both partners are working, or expect to work, and the security around those jobs. I hesitate a bit to be too prescriptive, to say there's a magic figure. Certainly once debt service starts to get up north of 40% of income, the weight of evidence is that delinquencies tend to go up.
We can provide some background to the committee, if it's of interest, and we've done some sensitivity analysis around this. You don't have much margin for error if your shifts get cut back or you have a child and you're out of the workforce for a bit—these types of things. When life intervenes, there's less of a margin for error, and individuals have to make judgments around that.