Although I will be passing the microphone, with your permission, to the CEO of CMHC, Evan Siddall, before I do that, I would signal that these are challenges that go beyond Toronto. However, they are particularly severe in Toronto. That program is going to make a very significant difference in the ability of younger families not only to reach their dreams of owning their first homes, but also to invest themselves in their families and in their communities.
If it is all right, Mr. Chair, maybe I should pass the floor to Evan.