I just want to add that I do agree with the financial literacy component of your brief. I think this applies across the board for all Canadians and not just seniors or new home buyers. I think financial literacy has to be a part of it. I know the Ontario provincial government has mandated it in the education curriculum now for high school students, which I applaud, so I do agree with you.
I'll move on to the Home Builders' Association. Kevin, how are you? Welcome. We've chatted several times.
On the rental side, that's obviously very important for everyone because the home ownership rate in Canada is about 68%. Many folks don't own their home; they rent. On the purpose-built rental, you had two recommendations. How big a bump would we have, in terms of these recommendations you've put in place for rental building?