Okay. So the population went up by a lot because of immigration. Housing construction didn't keep up with the immigration levels, because of various structural

Okay. So the population went up by a lot because of immigration. Housing construction didn't keep up with the immigration levels, because of various structural reasons, of which there is only one and that's NIMBYs. And the speculators accrue housing assets and restrict it's supply to the market and then extract rents. And somehow the NIMBY and speculator coalition override the actual structural change to the housing market, which was artificially low interest rates that financialized the mortgage even more than pre-2009, such that private equity and a bunch of other investment groups dump money into housing and hold it. So the reason that you can't afford a house is illogical immigration policy, lame NIMBY policies, and wacky interest rate management. Funny, it's rather easy to fix each of these if you have the political will. Alas...