Certainly. I'll continue.
We have seen an uptick overall in the financialization aspect really represented through investors. This is data that we see externally, given that we are not able to insure investor property purchases. So we rely on external data. However, it is evident that speculation has increased, as it always does during times of very strong housing markets. We think there's an element of speculation by investors that is healthy because, in some cases, they do provide rental accommodation opportunities. In many other cases, it's more about making money out of the housing market and turning houses over, which is unhealthy in our view.
It's not something we can do anything about with first-time buyers or in the insurance space, given that we don't play in that space, but we definitely think that some of the measures we've seen already coming from various levels of government aimed at dampening down some of this speculation are good moves and should continue to get attention.