I think our outlook on housing has been fairly consistent for the last couple of years, in that we expect a correction in residential investment, and we expect it to fall more towards levels that are in line with historical norms.
On the other hand, it's very difficult to imagine the exact timing or catalyst for this correction, although we expect it to take place over the medium term. For macroprudential measures, such as those introduced in Ontario, one way of interpreting them would be that if they had an impact on the housing market, it might bring residential investment towards its historical share more quickly than we have forecast. It's very difficult, using our model without the microdata on housing, to determine the precise impact of those measures.