Thanks, Andy.
To Andy's point, I would say that everyone does qualify at the qualifying rate, which is 5.25%. Even people in variable rates today, in which you can get a 1.5% variable rate, are actually qualifying at a 5.25% rate.
I would think we wouldn't start to have any difficulties until you get into maybe a 4% or 5% increase in interest rates, and when you look at forecasts, no one is forecasting at the moment that much of an increase. If it goes up 2%, I don't think we'll see a big default problem.