I think what is really huge is, number one, that we haven't been building enough. Number two is that we certainly have a lot of immigration in our country. Number three, I think, is that the bank lending is a big thing. I think there has been a lot of credit growth. All you have to do is look at household indebtedness in Canada, right? That basically tells me that people are taking on a lot of debt, and most of that debt is in the form of mortgages, so the banks are obviously lending a lot of the mortgages.
