Thank you very much.
My question is first and foremost for you, the representatives of the Office of the Superintendent of Financial Institutions. Of all the witnesses on the list, you are probably in the best position to answer.
Among home ownership facilitation measures, there is the use of an RRSP to purchase a first house. This is a good measure, since it allows people to use their savings to make their purchase. However, certain economists and tax specialists have warned of the possibility of creating supply that is higher than it should be, because of the possibility of transferring sums to one's spouse to purchase a second property.
Have you seen people access RRSPs in order to purchase a second home for the same household? Of course, both spouses are considered individually.