I'm afraid I don't have the statistics in front of me, but the vast majority of household indebtedness is because of mortgages, not consumer debt. There is, of course, automobile debt and other debt. So that exists. I don't want to dismiss it. In some respect, there are some warning signs, such as lengthening terms on car loans, for example, and people going into negative equity on their car loans, and that sort of thing. There are some issues there that are symptomatic of risk, but the lion's share of our concern is related to the housing market. Either way, we generally think of household debt as one thing because it is actually quite commingled, and it is high.
I want to make one last comment before the chair stops me, which is that, as the stock of debt as a share of our economy rises, it's usually not because of individuals becoming more indebted. It is usually because of individuals with no debt becoming indebted for the first time, in buying their first home in particular. Given the new requirements that have been put in place, we know the stock of debt is becoming more sustainable as time goes on because of those new rules.