Exactly.
I think land reform, quite frankly—and I mentioned this to the chair earlier—is one of the most exciting things coming down the pipe. The concept of individuals owning, or at least even leasing land.... It would be compliant with subsection 89(1.1), so we're talking about something that is possible, and it's within the Indian Act. I think to be unable to unleash billions of dollars in wealth and allow first nation communities to build equity in their homes and then to even be able to bequeath it to their children and grandchildren is incredible. Right now, they are prohibited from participating, in most cases.
We did an informal survey of five bands, and in some cases interest rates are 300% higher for aboriginal communities. By the way, this is even after ministerial loan guarantees take place, which means 100% backing from the crown. I don't understand some of the issues taking place. I think there is a systemic problem within the banking community and with the way the credit bureaus are gathering and distributing information, which I think we need to examine with aboriginal communities.
One of our goals is to better understand the problem and to get feedback directly from chiefs and councils, and we're aggressively doing that.
But this is not a short-term fix. We're talking about trying to change things and there is no quick win on this.