It is too early to say with any degree of confidence that we know exactly how this is going to play out.
There has been a short-term effect. It is clear that it has in some circumstances.... As one would expect, fewer first-time homebuyers are qualifying for a five-year rate, but how this affects the overall demand for mortgages remains to be seen. Also, as you know, we've done this at a period in time when the mortgage market is actually quite slow, so we'll have to see how things play out over the spring.