That's a good question.
You know, there is no great comparison to other times, because we're coming out of very specific economic conditions.
Back to your point, yes, one of the things we need to account for is that arrears, missed payments and all that are outcomes of what was decided a while ago. It's not a market sentiment of building activity. It's a market sentiment among current homeowners. That may impact downstream, but it's not current sentiment.