To put it simply, we've become a much more client-centric organization. I think before what we were trying to do did not consider the needs of the client, but tried to fit people into different programs that we have.
The first instance is to understand what the needs of the client are and then try to find a solution for them.
I apologize to your constituents who have had difficulty with our programs. I can assure you that there has been an effort under way for the last eight months to really look at our processes and to make significant improvements, starting with having detailed discussions with the clients before they even start the application process.
I hope the fruits of that effort are slowly being felt. We're always very happy to have discussions with you. We have staff across all regions of Canada, and we're very happy to engage in these kinds of discussions to make sure the money is getting to the people who need it most.
As you probably know, recently the mayor of Toronto announced some modular housing units that are being built in response to the COVID crisis. Again, that's an example of CMHC staff working very constructively with municipal leaders to make sure that money is going where it's needed most.