Yes. What I mean by that is that the quality of the outstanding stock of debt is improving through time because of the changes the government has put in place.
If today there is this much debt, the person who goes into the bank tonight and negotiates a mortgage has to qualify at a higher rule level, and so when they get their mortgage, that adds to the stock of debt, but we know that they're more sustainable than someone who qualified for a mortgage, let's say, a year ago or two years ago. That's what I meant. It's a little more resilient because they have to qualify at a higher interest rate. That means that, if interest rates were to go up in the way we described, if U.S. interest rates go up, and five-year mortgage rates drift up, they would already be prepared for it because they've already qualified at that higher rate.