That plus possibly the banks' actions: the availability of things like mortgage deferrals and extensions. Another thing to consider, which is a big unknown at

That plus possibly the banks' actions: the availability of things like mortgage deferrals and extensions. Another thing to consider, which is a big unknown at this point, is what immigration policy will look like after the dust starts to settle. If it becomes more stringent than it was, that means less demand for housing in the future, and the valuations of property would likely reflect that.