Let's talk about the Bank of Canada. They put out a report where they said the direct impact of B-20, not including the indirect impact, was that 10,000 people were kept out of the market. They also said that it would take the average family, the average prospective homeowner, an extra six and a half years to get that down payment together to purchase a home.
Do you think it will have an impact on real estate markets if B-20 in its present form is continued and there are more rate hikes in the next six years?