Okay, good. That's helpful.
In terms of mortgage debt, we're monitoring insolvency and credit default risk. That's basically people's inability to service the debt that they are accumulating, and that's still within the historical average. Is that because people have more room to service that debt, or...?
Help us understand that. I think that's what you said, but I just want to tease it out a bit more to make sure I understand.