That's not the standard. For multiresidential units in Toronto—that's over four units—the building permit alone is $60,000 per unit, so I wouldn't hold Toronto up as the model of how to reduce the cost of developing affordable housing.
Four in 10 Canadians are relying on assistance from friends to help pay their bills. Four in 10 Canadians who rent say their finances are poor to terrible. We know from multiple surveys over the last few years that 50% of Canadians are living paycheque to paycheque. They're one paycheque away, I guess, from being on your list.
Have you seen more and more of that increase over the last three years, primarily caused, as you said, by most of the folks on the list now not having...?