Yes.
I can't comment on your many questions, but I think that it affects our local market, and every market is regional. Our market is a secondary market. It's very, very different from that in Vancouver and Toronto. Preventing our first-time homebuyers from getting into the market, as I mentioned, has a second-round effect and third-round effect that are not good for our economy and not good for home ownership.
The predominant question that I would like to ask is what happens as an alternative to first-time homebuyers being able to put a mortgage in place and having a forced savings plan? What are their spending habits? Are they spending on an expensive car? Are they spending it on vacations—which I figure is a great way to spend your money. Are they being frivolous with their money? Are they not starting asset accumulation? I think that's very important.
With regard to high household indebtedness, it's much more difficult for us to comment on that. I think that if I were to take the value of a home and the substance of a home in Canada, which is backed by rigorous mortgage regulations, it couldn't be compared to those things in the United States. In the United States, at one time they could self-assess; they could put zero per cent down; they could write off their mortgages, and they could buy several homes at a time. It's a very, very different market.
I'd simply like those questions answered.