Thank you very much, and it's a pleasure to see you again virtually.
First of all, there's no question that, in a number of our indicators, we're seeing the new housing price index showing us almost a 12% year-over-year gain. You're starting to [Technical difficulty—Editor] also show a 17.7% increase year over year, so there's no question that the house prices are, in fact, increasing. We take a set of comparable types of [Technical difficulty—Editor] areas and then adjust it for the size and so on, and then we measure the change over time.
As you mentioned, in the CPI itself, a dwelling—a shelter—is considered an asset. It is something that you purchase once, like a—