I'm not an expert in this, but I think there's been extensive research done by other groups—Efficiency Canada, to name one.
Fundamentally, I think the way it would work would be a one-time injection of public funding to set a baseline. Then different actors would be allowed to access that funding for their own purposes, be that contractor financing, community efficiency financing or PACE financing at the municipal level.
A comparable model, I suppose, in some respects, would be what the federal government did with the Canada Infrastructure Bank, albeit at a larger scale. The building retrofit component of that program targets large-scale commercial building retrofits and institutional retrofits, but replicating that model for the homeowner level or the small residential and multi-unit residential level would provide for flexibility in financing models and terms and be able to address these different disparate challenges that we see from province to province and even from jurisdiction to jurisdiction. I think there's lots of potential.
Again, there are models in the U.S. Michigan Saves is a program that comes to mind. It's been very successful over a long period of time. As well, I believe Australia has developed a fund of a similar nature. I think there are good models to look at and compare.