It's pretty sweet for my members.
To the question about how high do you want to go, we are always on an upward trend, that's the great part of our story, and 70%, and then to 75%, seems like a reasonable goal to achieve. You're right, our home ownership rates are higher than the Americans. There are a number of European and Asian jurisdictions where home ownership rates are higher. I just believe fundamentally that homeowners make for stronger communities. There is a stream of evidence that homeowners' children, all else constant, tend to do better in school, tend to do better in the workplace. I know as a man, I changed when I owned my first home. I cared more about my neighbour, I got more involved in the community and volunteering. I think 75% would strengthen Canada, but it also seems it's reasonable, considering the upward trend that we are on.