Thank you, Madam Chair, and thank you to all of you for being here this morning--and especially to you, Ms. Fraser, for once again making something that always seems very murky seem much clearer. I found it very helpful reading your documents.
I was interested in your comments around the cost of accommodation, concerning short-term versus long-term costs, and that sometimes what seems like a smart decision in the short run ends up costing a lot more in the long run. I would like to pursue what mechanisms you think would help deal with that more effectively. I'm wondering if you have some general advice as to how to solve this, because one can be penny-wise and pound foolish, as my granny used to say, and certainly when we're dealing with billions of dollars it adds up to a significant amount of money.