The main purpose of those measures was not to cool the housing market but, rather, to improve the composition in terms of household debt. A year ago, we introduced a series of measures applicable to mortgages insured by the government. We have seen a significant drop in the percentage of highly indebted individuals. Those measures have had the desired effect. We've also seen speculation in the housing market seemingly decline.
In our view, both of those effects are desirable. That said, it's too early to say what impact the measures that came into effect on January 1 will have. We'll have a better idea this summer and in September, once the data come out.