I understand that you're here on behalf of the Ontario Real Estate Association. I recently participated in a real estate round table in Calgary, at which Calgary-based realtors talked about some real challenges in the market there. The stress test was among many factors discussed there. It raises the question of the efficacy of many of the decisions this government has made in housing, when you look at different markets across Canada. Even within Ontario, there must surely be quite a bit of variation from one market to another in the needs of local markets.
Do you think the one-size-fits-all approach is appropriate for an industry like real estate, which is really a series of local markets with different conditions?