It's very interesting. In the early stages of this downturn, we saw the housing market essentially lock down for a while. We saw almost an identical decline in sales and in listings, so there's been very little change in pricing.
Before this all began, it actually looked as though the housing market was on the edge of overheating in some key markets, like Montreal in particular and, to a lesser extent, Ottawa. That, of course, is no longer a concern. I still think that given the lengthy workout we're going to be looking at over the next year or so, there are probably more downside risks than upside risks to the housing market.
The measures that have been taken so far are relatively modest, but I would push back against tightening up a lot further until we see the market settle out over the next year or so. I think there is just too much downside risk to embark on really tough tightening measures at this point.