 And anybody can tell you that's out for shopping for a house, that inventory of houses is still relatively low, although not as low as it was a year or two ago. And one reason is that a lot of people refinanced their mortgages a few years ago, and they're extremely low. And if they were to move now, they'd have to pay a much higher mortgage, and so they just don't want to do that, so they're staying put. But I'm not sure that that entirely justifies being bullish on housing prices. The reason why, Gord, if you think about it, a person who decides not to sell because of low mortgage rates, that subtracts a unit from supply,