Dave Chilton

You've mentioned the human side of things a lot.

I learned a lot about that years ago.

I was talking to a well-known Canadian economist, and I was explaining to him that a lot of Canadians that you would think would be selling their home in their 70s had opted not to.

That home prices kept going up and they thought it's tax-free capital gains.

Why would I sell it?

But also the bigger reason was they wanted room for the grandkids to stay when they came to visit.

And so it had nothing to do with math and numbers and all the things we get caught up.

They wanted enough bedrooms that the grandkids could stay in them.

In fact, I had 70-year-old friends putting in swimming pools.

And the economist, we're on an airplane, and he said to me, you know what, that sounds silly.

He goes, but we did that.

I've seen it too, the upsides.

You just didn't talk about that a lot 10 and 20 and 30 years ago.

But again, it shows you it's this mix of numbers and humans and every situation is that little bit different.

Look, and I've enjoyed this immensely.

You lived up to your billing.

You can tell I have great respect for you.

I think you've been a huge influence in our industry.

You're an outstanding educator.

And it's interesting.