The reason why the housing market recovers in that is that, as I described in my opening statement, when, in effect, B-20 is reducing the potential demand for housing on the margin, people are reacting in different ways: buying smaller houses or waiting a little longer to do it. However, once they've adjusted to those new rules, then the fundamental growth from population growth and labour force growth continues. That recovery is in the trend line.
The answer to the question that you're asking about the relative size of the B-20 effect macro versus this new first-time homebuyer incentive is very hard for us to know at this stage until we know the parameters of that program, as Ms. Wilkins answered a while ago. I think that the sketch around it was that it would be something like 100,000 households, that sort of thing. That's pretty significant, so we'll be figuring that in.
At the same time, B-20 is affecting everybody, so it's about how they adjust to that behaviour. That's something that we're monitoring closely as we go through.
It's very hard to compare them. It's an apple-and-orange kind of analysis, I'm afraid. I wouldn't want to commit to a balance on those two.