We are currently in the fastest and most aggressive mortgage rate increases in Canadian history. Last year at this time I had a variable rate mortgage around 1.8%, today’s it's at 5%. How much higher will it go and what will be its impact on the Vancouver market? I will also follow up on the NDP’s plan to remove the rental restrictions on older strata and how it’s going to remove the last advantage 1st time buyers and young families still had.