Mr. Torgunrud, you were mentioning something that I think is really important and we should really understand as we talk about household debt, and that's the difference between stocks and flows when one talks about debt and debt servicing. Your time was up and you couldn't continue.
Could you perhaps elaborate a little on that, on why it's important to really notice that there is a big difference. When one makes comparisons, one has to compare apples to apples.