I would like to come back to what you just said because it is very interesting.
Right now, we have a government that wants to focus on increasing the housing supply, which is likely the right way to go. However, in recent years, the government has allowed longer mortgage terms and it created the first home savings account, or FHSA, which basically gives people more money through the tax system to overbid on homes, thereby overinflating the real estate market and stimulating demand.
We are seeing a fairly drastic policy shift that is heading in the right direction. However, don't you think that the measures we have seen in recent years, such as longer mortgage terms and the FHSA, have exacerbated the problem of rising housing prices and channelled too much investment into residential real estate, which could be harmful to our growth in the longer term?