Do you think your institution has the intergenerational data? It's never reported. When we talk about these important numbers such as debt-to-income ratio, it's always reported as one number for the entire population, but of course, there's going to be huge variability of that number over the lifespan of citizens.
Do you have the data available to you on that number for every five-year demographic? Have you seen any problem or any blips that have happened in that cohort of people who are just about to retire or who have just retired and are carrying significantly more debt than they used to, and should we be concerned about that as part of our housing study?