When I think about the housing market, I think in generational terms, because it's a generational investment. You're hoping to get into your house and raise your family, and then move into a smaller property, or not, when you retire. In terms of that aspect of the market, I'd love to have the thoughts of your group on the question I raised. And if you haven't considered that climate change type of scenario, where the whole nature of the Canadian housing market changes over the next 20 years due to the retirement and the demise of the baby boomers, I'd love to have your thoughts on it, because that's the one that keeps me awake at night.
Thank you.