We track those data, as everyone does. In terms of the actual forecast, there is a degree of judgment because B-20 is not the sort of thing that changes often, so it's not as easily modelled, but it's modelled in the way we've described, on a granular level, and then scaled up to make a good estimate. The effective interest rate, however, is more behavioural and more historical, and we think it's enhanced somewhat because of the level of debt.
Would you like to add something?