It's tough to describe exactly what this group will look like, because we have a sense now of who, let's say, in 2021 or 2022, has taken the maximum amount out of the home buyers' plan—the current limit of $35,000—but we can expect that group to change pretty significantly over the next couple of years. That's because of the introduction of the tax-free first home savings account.
In other words, given that the account started last year and so far has been quite a popular measure for prospective first-time home buyers, basically the number of people who would otherwise be constrained by the $35,000 limit will go down.
Our best estimate is 13,000. Exactly how the composition of that group changes once you bring in the first home savings account is a complicating factor. We can see what we can provide, but I just provide that note of caution.