I say that in the sense that we haven't had, fortunately, loose mortgage lending requirements in Canada.
With respect to what's happening to new home buyers, if we go back to 1991, say in a city like Vancouver, a reasonable percentage of new home buyers in that market were able to afford a new home much more easily than today. Today, I believe that--correct me, Gary--well over 90% of new home buyers would not be able to get a rebate.