In our latest macro stress scenario, unemployment spikes to 10% and GDP drops by 5%. Can you walk me through exactly how this macro shock translates into higher expected losses for our retail mortgage portfolio?

在我们最新的宏观压力测试中，失业率飙升至10%，GDP下降5%。你能具体说明，这种宏观冲击是如何转化为我们零售房贷组合中更高的预期损失的吗？