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Have you ever been in a setting where complete silence was expected only to have your smart phone start ringing?
Whether it was during a church service, an important business meeting or in a packed movie theater, it was probably quite an embarrassing event.
In all likelihood you panicked and started fumbling around trying to get the phone out of your pocket so you could tap “Decline” as quickly as possible to make the ringing stop.

For much of the past twenty years, homeowners throughout the Greater Toronto Area followed a fairly predictable pattern. A young family would purchase a starter home, build equity for several years and eventually move into something larger as their needs changed.
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