Thank you for that.
Thanks, Mr. Chair. Now I'll go to my other two questions.
For the 12% of mortgages in deferral, does CMHC track how many of these mortgage deferrals have been approved without the penalties, interest compound fees, that we have seen certainly in my riding so many times?
My final question is in the same vein as Ms. Dzerowicz' question. We have half a dozen sites that the City of Burnaby has set aside for affordable housing. We're finding it very difficult to access this, and when you talk about $18 billion, I'm stunned, because homelessness, of course, is increasing in this country. It's becoming a bigger problem in my region especially.
Is there any type of internal evaluation that CMHC is doing around how difficult it might be to access the current program and whether the monies that are being laid out are actually helping to address the problem?