Yes, absolutely. Part of the city of Vaughan is in the riding that I have the privilege to represent. The gas tax funding delivered approximately $8 million to the entire city. That's one mechanism whereby dollars go directly to the city, which is great, and we need to look at other mechanisms as well.
Going over to CREA, our government has put in place, along with some of the arm's-length agencies, macro prudential measures, as we'll call them, to ensure that the quality of debt that Canadians are taking on is good debt and that we're not seeing over-leveraging. If you read some of the Bank of Canada reports, which I like to do on occasion, you'll see that the quality of that debt—the FICO score, as they call it, the credit score—is improving. We don't want to get in a situation of moral hazard, if I can call it that.
I think we've done the right things in terms of housing markets on the federal level. We all know—Mr. McColeman knows this quite well—that there are four levels of government in some places, because you have the regional level of government, municipal and provincial, and the housing market is complex. There are things that we can do at the federal level and could look at.
If you wanted to rank at the federal level.... I'm not talking about development charges or the availability of land, because those are decided at different levels of government, but at the federal level, are there one or two key things that you think would be most constructive for housing affordability?