My question is similar to Mr. Grewal's again. I read a study, but I don't know if this is true or if it's credible because it was a self-identified study. It's the idea that young people who want to enter the market for the first time, first-time home buyers, are often asking their parents for their down payments. That's fine if their parents have cash, essentially. But perhaps their parents are taking out loans or lines of credits and saying to their kids, “Here you can use this, but just make the payments”. But that amount is not really being accredited to them in terms of their indebtedness, because they'd be walking into the bank with a certain amount of cash, essentially. How is that being factored into ensuring that this indebtedness level is not just being offset by other means that is further debt, and if interest rates were to rise they would rise on both ends? Where are the checks and balances to the institutions to ensure that where that down payment is actually coming from is not just a further loan by other means?
