They might be if they're making good money, but then you run into the boom and bust cycle in many communities, and you never quite know.... Each mine has a life cycle to it. What we find is that in communities that are economically “mono”, in the sense that they are dependent on one major industry and one major employer, there can be a reluctance to enter into ownership, simply because you can sit with a mortgage for the rest of your life and you might be unemployed because of factors outside your control.
The thing about ownership is something that we really look very carefully at in the report, because that's where the care, the TLC, comes in.
The north is different from the south. Made-in-the-south solutions do not work in the north, so we need a completely different mindset in terms of how we work with this. This is why—and I'm not afraid to say this—we had many conversations with the Canada Mortgage and Housing Corporation on this specific report, because they have certain programs and policies. They are very sensitive to the realities of the north, but they also have to work within certain guidelines.
It's very important to understand what makes the north tick. Travelling in the north and speaking to people is the best way of doing it.