The reason I'm asking is that, as most of us in here should know, GST does not apply to a used home; it applies only to new builds. If we have GST applying only to brand new homes for first-time homebuyers, I would submit that it applies to less than 5% of the actual buyers, if that. That might even be high. Looking at this as a program that is not applicable to 95% of the population, it's not really there. We don't have the numbers, so I can't ask about that.
Mrs. MacKenzie, I know you guys like to make sure that they don't lose the non-refundable tax credit. Was there any discussion about changing it to an actual deduction or a refundable tax credit, instead of it being a reduction in income at that end of it?
My personal thought is that those people who receive it are not paying that much tax anyway, so it doesn't really matter where on the tax return we're going to give it to them. I'm just wondering if you've looked at the other options.
That's probably the rest of my time, so I'll leave it there and cede the floor.