It certainly is a fact that we consider the overall debt-to-income ratio. It is a metric. It is a consideration.
However, when I mention the average credit score being 753, if you look at that in the context of where that was five years ago or seven years ago—so if you go back to 2008 and 2009—that average credit score was closer to 700. We've seen over the intervening period of time a significant strengthening in the quality of that first-time homebuyer.
That's what I'd want to communicate to you.