Access to capital is really critical for the delivery of affordable housing specifically. The cost of capital can be the deterrent to being able to build that housing.
The RCFI program, which delivered a significant amount of rental housing specifically in the city of Toronto over the course of the past decade, has more recently been criticized, because it also delivered luxury rental housing. There was this assumption that any rental housing was affordable housing, which we all know in large metropolitan centres is not the case.