I have only 50 seconds left, so I will ask one last quick question.
We know that in order to cope with unforeseen circumstances, households sometimes have to go into debt, by using a line of credit, for example. Not everyone has savings to fall back on when unexpected events, such as a job loss, occur. Does the fact that households hold an increasing amount of non-liquid assets, such as residential real estate, not in and of itself pose a risk to economic stability?