Yes, particularly among first-time homebuyers.... It's a little early yet to see. There's some seasonality in our results, but I don't want us to avoid the question. I'll refer the question to Steve Mennill, my colleague, who runs our insurance business. I will say that we had expected some slowdown, and in terms of what I had seen going into it, it's not even quite as bad as we'd thought. The reason is that our forecasts had assumed a full delay of economic activity, as opposed to a change in behaviour. If somebody purchased a smaller house but still participated in the market, that would offset the potential decline.
Steve, just give some observations from what we've seen in our business.