As well, we're living longer, so obviously people are also choosing in some cases to work longer. They have a longer lifespan cycle to be able to pay for these kinds of things, so to me it would seem strange that we would be eliminating that and forcing some people to use up rental stock, which eventually raises prices in that area because supply isn't any better for rentals than it is for new construction.
Now you also mentioned a gentlemen in the Kootenays who had divorced. We're also seeing that divorces are higher, and another thing that's been taken away is the ability to refinance. These changes impacted Canadians' ability to refinance their homes.