I appreciate that.
We have a representative here from CMHC, who's been to the finance committee before. My question is for the minister, but I did want to raise this.
I remember asking you a very similar question a number of months ago. During your response, one thing that struck me was that you talked about how the supply of homes has not kept up with demand. In other words, the number of new homes we build has not kept up with the number of new people seeking homes in Canada.
Minister, do you agree that this has been a major factor and that it started a number of years ago?