I don't believe so. I'll be very frank.
Again, I've lent money. There's the price of the home, and then, of course, they put the test on you on whether you have the minimum equity needed. Also, of course, you have to pass the income tests. On the total—pardon the jargon—the TDSR and the GDSR, which are the two income tests, if you don't have the income, you're not going to get the mortgage.
Having a tax reduction at your marginal tax.... Remember the bottom quintile. Again, this is C.D. Howe data taken from StatsCan, which is taken from CRA data. Just so everybody understands where StatsCan is getting the data, they're getting it from the filings of all the employers in Canada.
The bottom quintile is paying, I believe, 5% of total taxes in the country. That's a good thing. We're all in favour of that, but the point is that they're paying very—