Thank you for the question, Mr. Fergus.
In terms of what borrowers are able to do, a lot of things have happened in the last few years. Mortgages have been tightened six times in the last eight years. When borrowers show a good ability to pay and have a good credit history, the minimum down payment of 5% certainly seems to be something that, up to now, has allowed people to buy a home without finding themselves in default. In cases of default, the first determinant is, of course, the ability to pay that comes from employment. There is the credit history too.