I want to get Ms. Whitzman in.
We talk about how this bill will not help the people who need it the most to be able to qualify for a mortgage. I was 22 years in the mortgage business, so yes, the debt service ratios are not going to work there. That means people cannot buy a home. They need to rent, and now we see that rents are beyond the reach of these same people in the bottom income quintile.
I'll give you the last word, Ms. Whitzman, on affordability for renters.