That wealth transfer, according to the auditor general, has already been $36 billion, and it will be another $137 billion over the next roughly 19 years, so we're talking about a wealth transfer of $170 billion, probably the biggest single wealth transfer from one group to another in my lifetime.
On the issue of red tape, you have produced a report that shows the enormous cost per unit of housing in red tape. For example, in the municipality of Oakville, $60,500 is the cost of compliance. That does not include materials or labour; it's just paperwork. In other jurisdictions it ranges from $20,000 to $50,000. Of course, that can make the difference between someone affording a home and not affording it. That's in addition to the 7,200 square kilometres' worth of land that the Ontario government bans GTA-builders from developing.
Can you talk about the impact of all of these restrictions on low-income people?