Thank you for that question. I'll also ask my colleagues to jump in.
I'll say that you're absolutely right. What we've seen is the market interest cost year over year has gone down by 8.3%. I keep trying to clarify that the homeowners' replacement cost is not the cost to replace the entire home as you buy new ones and so on. It's actually a component of the shelter cost as consumers would feel it in the CPI.
Perhaps I could ask Greg or Heidi if they want to add to that answer.