I want to move on to my next question. Sorry, Mr. Martin.
The other axiom I wanted to challenge is whether or not the debt-to-income ratio that people talk about as causing great concern is the thing that we should really be worried about. In terms of that number within the different segments of the market, is it really a concern for first-time home owners or two-income families with kids, or are we focusing on the wrong thing when we're talking about debt-to-income ratio?
Again, Mr. Ciappara, I know you have thoughts on this one.