I can give you hundreds and hundreds of letters, emails, and phone calls; I mean, more than a hundred. Every month people are writing to us to say they can no longer qualify but they are close.
There were two teachers. They had been saving for five or six years. They finally got to a point where they had a down payment to qualify. Then all of a sudden these rule changes came in and the mortgage amount they thought they were going to qualify for was no longer available to them. They couldn't qualify, so they had a choice, which was, “I can't live in the city where I actually go to work and raise my kids and where our children go to school, so I have to move 30, 40, or 50 kilometres out or I won't get into the housing market at all.”
I want to make one point—