I could not help myself, Mr. Chair. I am sorry.
My question goes to Mrs. Guy and Mr. Cardinal.
When my wife and I were young, when we were new university graduates starting our first jobs, we bought a house with a 25% down payment, as was the rule in 1995. We looked at the real estate market and we said to ourselves that, although our salaries were not very high, we could take out a normal mortgage, one that was not insured. After looking at our financial situation, we chose to be renters no longer and to buy a house.
I fully understand that it is important to provide easy access to first-time buyers, but I have to ask the following question. Is it a good thing for people to become owners when they are perhaps in a more precarious financial situation than was the case 5, 10 or 15 years ago?