That's the debt service ratio for households.
We did some nice charts on this, not in this MPR but in the previous one, back in July. We did an experiment on the various segments of the household sector, depending on how much debt they were carrying relative to their income, in each category. We sliced up the data very finely. We simulated a 100-basis point and a 200-basis point renewal cycle through that structure.
There's a lot of complexity to it. If you got your mortgage back in 2014, chances are you're renewing in 2019, or it's 2015 and 2020—about half of the people would pick a five-year in that case. We simulated it in that way. Debt service ratios, or actually mortgage payments as a share of gross income, went up by one or two or three percentage points. In the worst case, they went up by as much as approximately five percentage points. In a very highly indebted household sector, the biggest effect we could find was five.