Thank you.
You also talked about increasing interest rates and about how this slows the economy down efficiently and effectively. You made reference to how households might make different buying decisions and what they might do.
You know, at the same time, part of this is that as people are renewing their mortgages, their mortgage payments are higher. With the increase of interest rates, is it not true that in fact the banks themselves are the recipients of increased revenue based on the increase of interest rates?