I would say for the purposes of comparison that it still is apples to apples.
There have been nuances, changes. There may not have been the same degree of payment history for your cell phones 15 years ago that has now been incorporated into the scoring model. The level of sophistication continues to improve. However, I would be remiss if I didn't remind the committee that as a result of the various interventions and overall industry tightening, the quality of that first-time homebuyer has never been stronger.