It's fair to say that in the last two years we've seen a sharp acceleration in housing prices. As you mentioned, in some jurisdictions it's been a little bit more. Even within cities, we've seen a differentiation as people try to get out and get a bit more space in the suburbs and in single family homes, etc. However, our data are showing that these are very sharp increases overall.
Yes, we did see an increase over time, but the last period has been exceptional in terms of increasing. There are a number of factors, as we've discussed before.