Let me reinforce two things, if I may, in response to the question.
First of all, the decisions were taken by the Minister of Finance on our advice, so I don't deserve credit for those changes but of course we advised in support of them. The “too much of a good thing” reference was my interpretation.
Arrears are in fact quite low, at about one-third of 1%, and indicators are that they're in fact trending lower, not higher, in our country. There are some delinquency issues that are trending up in a few areas. That's another indicator that we pay attention to, as is, as a result of this research I referred to in response to Mr. Albas, the overall level of indebtedness.
Also, then, I should say that our housing market analysis framework is a model that refers to evidence of problematic conditions and analyzes four factors: overvaluation, overbuilding, house price acceleration, and one more that I've forgotten—