Certainly, if you want to create a greater depth of affordability, one thing that would be beneficial, if you were looking at making modifications to the co-investment fund, would be to look at the ratio of grants to loans. The larger the grant contribution in the development project, the more you can deepen the affordability. That would be one place to look.
There's another area that would be worthwhile. Community housing all across the country is getting old. A lot of co-ops and non-profits are obtaining new financing and new lending to renovate and renew their properties. We have a program that has facilitated access to about $100 million of credit union lending to co-operatives within our membership. One thing that gets in the way, for co-ops and non-profits that are still under their operating agreements with CMHC and that will be for some time, is that they're carrying a mortgage with CMHC. There's a significant interest penalty if you exit that mortgage. A program that was introduced has just expired. It's the prepayment penalty relief program with CMHC. That would be another area to look at in terms of lending that would facilitate access to capital for co-ops and non-profits across the country.