I operate a small business, with many of my employees under the age of 35. None of them are homeowners. We're in the business of getting people homes. We're in the mortgage business. Their ability, financially, to accomplish this is simply not there.
There have to be major changes, structural changes. Some of it is a fed-prov problem, in that we have incredible costs layered into municipalities and at the provincial level, just to get a new home built. For a developer to build a new home, it's 30%. Unless we start to approach some of these critical issues, it's unlikely they're going to improve.