We're going to share the answers to your questions and statements.
I have to agree with you that there was no consultation prior to the decision being made. When you talk about there being fewer first-time buyers, we've heard that it may be a little early to really come out with strong and reliable statistics. I can tell you that we're hearing from our members on the ground that, yes, there are a lot of people who were in the process of looking at homes and wanting to become homeowners who have decided to wait and postpone their decision.