Thank you for the question.
As Ms. Eng and Ms. Munn-Venn have pointed out, the cost of housing is certainly one of the main causes. Housing costs are often considered the most onerous, especially for people living in poverty.
Another cause that I would highlight is access to employment, especially for immigrants. In the largest cities, access to the labour market is very difficult for immigrants, especially for recent immigrants, compared to the population in general, regardless of their qualifications, their education, or their language abilities in English or French. So I do not think that the problem is education, or the availability of work, but rather of access to the jobs.