Of course.
Just changing tangents to the regional housing market, and I say “regional” for a purpose, the GTA in my understanding is probably growing at a 4% to 5% clip a year. You commented recently about some of the fundamentals supporting the housing market, but with the caveat that you see levels of speculation.
Many of us hear from our constituents all the time about the affordability or unaffordability, but mostly the unaffordability, of housing in the GTA. You've also commented, Governor, and please correct me if I'm wrong, about some supply issues.
If we were going to rank the reasons for the rate of price increases we're seeing, what would your comment be on those? Can you add some colour there, please?