Thank you very much, Mr. Chair.
Thank you to all of you for being here this morning with us.
My questions this morning are going to be for Mr. Rowe and Mr. Friend. I have heard so many reports from my constituents about our home renovation tax credit, so I'd like to ask some questions on that.
Mr. Friend, can you comment on the first-hand effects you've witnessed in regard to the home renovation tax credit and the first-time home buyers' tax credit in the day-to-day operations of your business?