Our responsibilities touch the residential sector, not the commercial sector. My answer would be speculative, but I will say that how we're working seems to be different. People are becoming used to working from home. I know that at CMHC we had already planned to do this, to reduce our footprint from four buildings to one. I think that could happen. It could reduce the demand in price pressure on commercial real estate.
With regard to residential real estate, on the other hand, we're going to go through an adjustment that is primarily debt-driven because people are under pressure. That doesn't exist as acutely in the commercial sector. We're going to suffer some adjustment for sure and then recover in a year and a half to two years.