Thank you.
First, I want to say a huge thanks to both of our witnesses for their excellent testimony.
I think that both of you have talked about how there is a great need to boost the supply of housing that is affordable, not just “affordable housing”.
We've been told that all three levels of government have a role in ensuring this. Would you have a specific recommendation about what areas all governments could collaborate on to address the housing affordability issue?
Mr. Charles, maybe I'll start with you.