To answer your question about the percentage or proportion of those purchasers who use a down payment of 20% or less, we ran a survey about a year ago for all the Quebec market. We have an estimate of something like 68% of all purchases would be with 20% of a down payment or less. That does not necessarily amount to the use of mortgage insurance, but we're talking about those who answered the survey question, “How much of a down payment did you make?”
On February 1st, 2017. See this statement in context.