In regard to that question, I would say that it has become less transparent. There is a lack of transparency when we tell people that rates are going to stay low and then they immediately go up by 4% over the course of the next two years. Certainly, that's not transparency, and I'm not sure whether it's specific to the Bank of Canada making those decisions or premonitions, or whether it has to do with different people in the federal government making those claims.
In regard to mortgages as a percentage of income, I did pull some stats on that. In Toronto, as a percentage of your income, your mortgage is actually comprised at 73% of your income for most Torontonians. In Vancouver, it's at 72%. Across Canada overall—