Most were, I think, the realization of how hard they had to work on our sites. They just didn't turn up. They just disappeared and did not return to work. That was the majority.
In dealing with affordable housing, I think we have to get innovative. We have some good visionary people. As an industry association, we got stakeholders together and did some brainstorming and set up some affordable housing consultants. They have been floating a lot of different ideas. I think the government needs to get out there and really look at other opportunities.
The problem is that you have to invest a lot of capital. We used to mortgage stuff for 35 years. That was a nightmare to manage. You need to put your dollars in, try to realize what you can, and keep going as you can afford to go.
The effort really has been to get the borderline individuals, the low-income earners who are at peak level, to be homeowners. You buy down the price of the home with your capital and give them a mortgage they can handle. They become homeowners and can look after their product. They have a nice new home; they can keep it in good condition. You have some support systems there to make sure they understand the maintenance of a home.
We can do further things. Why wouldn't the federal government go into partnership on the land value of the home, instead of purchasing the land and putting it on a mortgage and then trying to buy it? Why not also look at how government could be a joint owner with that person on that land for that value of land? Then if it's sold, your portion is $40,000 out of $100,000 or whatever, and if there is inflation on the house when it's sold, then the government gets a percentage back, right?
There are a lot of innovative ways governments can take a share without having to really pour too much in up front. I think there is an opportunity to do further research and look ahead at this issue.