With respect to the mortgage qualification in Canada, we are far more strict in other areas, which is why we have a sound market. People must qualify for their homes.
When you look at the GST rebates available, in a suburb of Vancouver and Abbotsford, 97% of the homes don't qualify for a rebate. What you're not seeing is the people who are left out of the market.
If I could, I will ask Mr. Kenward to add some more information.