Could you clarify that, Governor, because the Canadian Real Estate Association last week said that resales across Canada are down 13%, down 22% in Toronto, down 35.9% in Calgary. Certainly, the listings are mushrooming. It certainly would appear that we have gone through an asset inflation where real estate prices are about 70% greater than they were eight years ago, somewhat similar to what happened in the run-up in the United States.
What exactly is different?