Thank you. I just wanted to make sure that was clear. It has come up a number of times and it did come up last time when Mr. Siddall was before us, so I appreciate your clarity on that.
We're talking a lot about buying homes. As you know, the federal government introduced the first-time home buyer incentive to help qualified first-time home buyers be better able to afford buying a home. Can you talk about how critical this program is in helping young and new Canadians access the housing market? That's the first question.
Second, we know that COVID has made everything more expensive. It feels as if it's even tougher than ever before for young people or first-time home buyers to actually get into the housing market. Can you talk about some other measures we should be thinking about in order to make things more affordable for those who are trying to get into the market?