Thanks for the question.
For residents, the principal program in market right now is called greener homes, which you might be aware provides both an incentive and loans. The loan is about $40,000. A deep retrofit can cost a bit more than that—$50,000 to $80,000, even $100,000 is often what you need to achieve a net-zero standard.
I think one way to get there is actually better coordination with some of the provincial programs that are also in market and trying to stack some of the incentives that are at the federal level with the provincial level. That is an area where I think better coordination could play a role. The major concern I have is that the Canadians who are really left out right now are those with low income, because with that greener homes program, you have to pay up front to access incentives or to take out that loan. Also, a lot of low-income homeowners or renters are not going to be taking out a loan. It's really not an accessible program for those with a fixed income.
A specific approach is always needed for low-income households. The United States has had a dedicated low-income weatherization assistance program since the 1970s that receives broad support. That's really the type of thing we should be looking at also having in Canada to help people.