I wanted to ask a question about the new social housing program you talked about this morning. I heard you earlier in the month talk about this being a loan program. I have to say to you that none of the not-for-profits out there who are ready to go on new affordable housing are able to afford a loan. It's just not a route that they're willing to take. As for the 50-50, with tapped-out municipalities trying to access the infrastructure money, and some of them not even able to do that, where's the 50%? Where do you anticipate the 50% will come from to go with the other 50%?
I have two or three not-for-profit organizations in the Sault ready to go with projects that are developed and shovel-ready, but I know the 50-50 isn't going to work for them.