Thank you for your question. I'm delighted to see you again.
The first thing they say, of course, is that CMHC is facing a higher level of risk, particularly in terms of insurance premiums. They told us that CMHC insures 95% of insured projects. In 2014‑15, that number was less than 10%, so there's clearly a bottleneck when it comes to insurance premiums. I think the organization has hit somewhat of a ceiling. Nonetheless, it did recognize that two days' notice isn't appropriate.
At the Institut de développement urbain du Québec, we hosted a big meeting, bringing together representatives from the Canada Infrastructure Bank, the Canada Lands Company, Build Canada Homes and CMHC in the same forum for the first time. We realized that they tend to work in silos, but I think they need to do a better job of coordinating their efforts. Although they don't provide the same products, people need to be able to navigate them better. They also need to improve the products they offer for future renters and property owners.