It's an interesting question. One of the models I talked about in my opening remarks was a model of social housing that incorporates financial literacy programs. The provider actually provides an upfront grant that is matched by the tenants as part of this one particular program. That fund is put in escrow and then the tenant is able to use that fund for whatever they would like, including a down payment.
That's actually an American model, called Compass, out of Boston. We don't have a comparable, similar model in Canada. We hope that we will. Again, we want to see greater innovation, greater transformation, and greater creativity within the social housing space in this country. Because social housing is by its nature a different model from the private sector, because it is also heavily reliant on supports—social housing is more than a roof over your head, it is also a provision of social, health, legal, and financial supports—and because there are different ways to carve that pie, we think there is great value in learning from what our international counterparts are doing and bringing best practices to Canada. As part of a research hub, that international component is absolutely crucial.