—so I'm quite interested to know more.
I spent over 20 years in the mortgage business, so I'm familiar with a lot of these arguments. I would suggest that none of that fruit is particularly low-hanging, and very little has actually been addressed by any level of government, although yes, there's been a little bit around the edges of some of them.
Is it your contention that none of those factors are the primary ones to blame, that it's tax incentives for home ownership that are...?