I think you’re call on housing may be a bit too negative. But keep your eye on rates if that’s your driving criteria. They tend to head lower as a recession gets worse. So we may have another year or so of rates at this level or lower. 4.5% to 5% is historically down there. But, if you think we’re going to get inflation this year, then I guess rates will have to rise in the next 6 months or so. Seems like the govt agenda is going to focus on low mortgage rates for some time, though.