It's actually in the mortgage lending market. People may disagree with me, but let me give you an example. If you walk into a bank with a 25% down payment in cash, not borrowed, you're probably going to get the mortgage. Banks are in the risk management business. The more down payment, the less risk.
That's why I made the comments in my opening about zero down payments on mortgages. That's very, very high risk. Twenty-five percent down is low risk, and a new Canadian can get a mortgage.