Thank you very much to all the witnesses. It's very interesting and compelling testimony.
Ms. McNeil, you talked about closing loopholes. Most Canadians would be very surprised to learn that owner-sale real estate isn't subject to the same system of checks and balances as when a realtor is involved. Do you have any idea of the percentage of sales across the country that are owner sales? We certainly see them advertised more on television, but to what extent are we actually excluding from the real estate system of controls portions of real estate sales in this country?