I'll start, and my colleague Tim will probably follow up.
You're correct. Our outlook is a bit more negative than, let's say for instance, the Bank of Canada's outlook, where I think they probably have it making a zero contribution to GDP over that period. Our view really is that the impact of rising interest rates and the slowdown in disposable income in the economy will hit the housing sector a bit more directly and significantly than others. We're not calling for a housing market crash or anything like that by any means, but the level of residential investment in the Canadian economy is at historic highs. This is more of a natural adjustment to a more sustainable level.
My colleague Tim can follow up.