Thank you.
I have some questions on housing for Ms. Ciufo. You deal with those challenges and have provided us with statistics regarding Toronto. I am the member for Hochelaga, and downtown Montreal, unfortunately, has a great many such clients. People living in the streets do not have a home. Consequently, 100% of homeless people do not have a roof over their head. Nevertheless, you did share with us some figures. You said that 13% of people in Canada lived in poor housing. There are people who need housing, and we haven't even mentioned children or newborns sleeping in drawers until another room can be found. That happens. Your brief reveals that 25.7% of lone-parent families, 18.2% of immigrants and 20.4% of aboriginal households live in housing that is inadequate for their needs. I would like to thank you for raising our awareness of that.
I have three or four questions for you. I do not think you mentioned this, but it is in your brief. Concerning the program in the U.K., you state that the country is implementing a program that will upgrade 7 million homes by 2020. What I find especially interesting is the pay-as-you-save financing mechanism. Could we not also use that more generally? Given the information you have, do people who renovate their homes incur debt? Then, do they repay that debt according to the savings generated from the related renovations? In some ways, that would be like an energy mortgage. Is that the principle?