It is not sustainable. It constantly proves to be unsustainable. We have observed in the last 18 months a somewhat alarming growth in power of sale transactions and bank-ordered sale transactions.
Mortgage default rates have continued to increase. We anticipate that mortgage default rates will increase this year as well, throughout the year and potentially into next year. There is just not any good way to handle the extremely large mortgages people took on in 2020, 2021 and the first quarter of 2022. As soon as the rate goes up, unless incomes have soared, there's no easy way to manage that.