Yes, it was, for those who had taken out new mortgages during that period and those who faced variable-rate mortgages, and I think this was what we were alluding to earlier about the transition that people went through already. Those who had variable-rate mortgages faced higher costs during that period. Those who had three-year fixed mortgages and renewed at the peak faced higher mortgage costs, but now we're seeing the other side of that.
There's still some to come. There's still about 20%, I believe, of those five-year fixed mortgages that will reset at higher mortgage rates, but they're partially offset by three- and four-year mortgages that have gone from higher to lower rates and the variable folks who have been getting lower prices all along.