In that case, I have a second question for you, Madam Minister. I met with representatives from the Cooperative Housing Federation of Canada who informed me of a pilot project involving two cooperatives with excellent financing, but requiring significant repair. They tried to secure a mortgage with private organizations in order to deal with this situation, in order to keep the rents affordable, etc.
Unfortunately, when they went to see the Canada Mortgage and Housing Corporation in order to cancel the current funding arrangement and obtain a new mortgage, they were told that not only did they have to reimburse the current debt, which is fine, but in addition, there was a five-year penalty. So they had to pay five years' interest, namely $140,000, which was not possible for them.