I'll take that question. I'm Nicolas Moreau from the Department of Finance.
Basically that $20 billion will be focused exclusively on multi-units. A builder could build an apartment building, a student apartment or an old age residence.
There are two phases to this program. There's one that is the normal stream, and any builder could apply. The other one is what we already talked about, the MLI Select program. If you meet specific criteria on affordability or on whether it's a green initiative, you'll be able to get specific points that will reduce the cost of that financing to CMHC. There's more benefit—