Thank you very much.
This is very interesting. I've learned over the years to understand what's left unsaid in your answers. It's very edifying.
I'm going to move on to another topic now. People who have less flexibility in buying a house are the ones who suffer from rising variable rates. And from what we can see and hear, those who have variable rates, and therefore absorb interest rate increases, are mainly young people and first-time buyers.
Is that also what you are seeing?