Fifteen per cent to 20%.... I've been told by the home-building industry that it's more like 25% to 40%, depending on the jurisdiction.
When we talk about people wanting to get into the market, first-time homebuyers, and get insured, and they come to you.... The price of a house in my jurisdiction, Brantford, Ontario, is being influenced by the GTA prices that are now filtering down through Hamilton, Oakville, Burlington, Ancaster, and Brantford. We're an hour away from Toronto and you see the huge spike in prices. Every spike in price, would you agree, as a panel, just knocks a whole lot of people out of the market. Is that correct?