I think that's an excellent point you raise. The approach we really proposed with the Poverty Reduction Coalition is what I would call a suite of solutions regarding affordable housing, because there isn't really one direct solution. It's not necessarily all about new building or new construction; it's not all about rental subsidies. It's contextual, based on whatever city it's in; it's contextual based on the individual.
So while more dollars are obviously better, we have to recognize that there are finite pools of dollars available. We're advocating looking at perhaps distributing things differently and looking at a package of options. Whether it is a way to increase the amount of land contributed to affordable housing organizations through an increase in the tax credit, a reduction to capital gains, or whether it is about creating a pool of dollars that can be drawn upon in individual cities....
In a city with a high rental vacancy, oftentimes it doesn't make a lot of financial sense to build a brand-new building, so why don't we put some of those people in some existing units, or why don't we purchase units in a complex that has already been developed?
So we can distribute the dollars in different ways instead of building a brand-new building that is solely affordable housing. Not only does that create a capital maintenance item, but it also, in some ways, can create social problems, with ghettoization of the affordable housing complex.