That is an important question. Your numbers are correct; that is exactly what is happening in Canada.
It is one of the downside risks that the bank has already identified in its projections. A change in housing prices could actually have a huge impact on household spending. For example, a drop in housing prices could have a greater impact on Canadian household spendings than before because of the burden of debt. It is a major aspect in our projection. We have to look at our forecast as a whole. It is a base forecast that involves some risks, and this is one of the risks.