We would take the view that more people would have access to a home, and I want to be clear on this, particularly in the larger markets in Canada: Vancouver, Hamilton, Toronto. We're not suggesting that this is a necessary metric or policy manoeuvre for Moncton or Fredericton. It really is for those housing markets where affordability is stretched. We view this as increasing accessibility.
It's quite possible today that those borrowers are going into the marketplace with a conventional mortgage with the assistance of the “bank of mom and dad”. It's difficult to get stats on that. However, I would strongly suggest that this is an accessibility play versus it being unduly stimulative in nature.