That's out of gross income. It's a significant effect, but in the background over those five years, wages have been growing 2% or 2.5% per year. That's one thing. Not everybody's wage has gone up, I understand that, but they have been rising on average, so that helps the transition.
At the point of renewal, the financial institution normally would present a bit of optionality around the renewal, perhaps lengthening term by a year or two to keep payments from going up as much, those kinds of things. That's often what we observe in those renewal cycles, some flexibility.