There's no material change. There is a mechanical change. Obviously, when you have changes in mortgage rates, you can have higher spending on mortgage interest costs.
Some lower-income groups obviously rent a lot more, proportionately, than upper-income groups, so they've had some increases in shelter costs that they've had to face as well, but I think what we're seeing is that those forces are equalizing again. Rent prices are coming down, or inflation, I should say, is coming down, and mortgage interest cost inflation is very close to zero. At this point, it's actually below the level of inflation.
You will have periods of time where you'll have divergence in these patterns that is just mechanical, but I think we're getting back to a more balanced mix.