Part of the problem with the down payment is that much of it is back-end loaded to 2017. That's a bit of a problem when the infrastructure needs are right now.
The work that the Conference Board has done on intergenerational inequities is important. TD Economics estimates that there's a scarring effect on young Canadians who are currently having trouble finding work, potentially something that will cost $13 billion to the Canadian economy over the next 10 years.
Could you speak to that scarring effect and the long-term impact of a generation of young Canadians who have significantly less opportunity than their parents or grandparents?