We have a view that a true stack risk would obviously be someone with the smallest down payment. In addition, it would include low credit scores, very high debt ratios, and also buying with a single income in the sense that they are the most vulnerable to be at risk in their employment. We certainly know that in our own portfolio, today to afford a home, we see a dominance of double-income families. Two-thirds of our borrowers present with two incomes. That's pretty much almost the only way you can buy in many parts of the country.
