That was actually an estimate that Mr. Rabidoux made. I was referring to the Bank of Canada study that came out three or four months ago that looked at the percentage of CMHC mortgages that were for investment properties. That's in the neighbourhood of 20% to 25% in Canada's big markets.
I think this is one of the parts where the federal government can play a very active role in moderating prices on the housing file. Part of that is to increase the down payment that is required for investment properties from 20% to 30% for the first property, and then, as additional properties are purchased, the down payment requirements go up by 10% each time. This would send a very strong signal to investors that the profit margins are going to need to be much higher, and you're going to need to have a lot more money to get into this market in the first place. That would be, I think, a more productive way, a more predictable way, of trying to restrain prices rather than providing people with additional options for leverage, like—