If I might, what's interesting is that in 1992, when Paul Martin tightened his belt, I think he actually tightened the national housing strategy from the government at the time. Subsequently, in 1995 and beyond, housing was downloaded to various provinces and then municipalities, and often the programs that were supposed to follow those social housing programs didn't follow. Toronto is a good case in point.
I think the other thing we have to keep our eye on for the people we're talking about, who are the most vulnerable.... The health accord, when it was first identified, paid 50% of the health costs. I think now it's actually down to around 21% by the feds and is predominantly picked up by the provinces. We have a real problem in how to account for and properly track money, funding, and of course, impact.
You're quite right. There is quite a bit of money being put into the system. The other part is the money that's coming out of the system and where it goes. I think we've had some examples today that some of those investments, when they were made, were very appropriate and then were pulled out of the idea of perpetuity, of affordability, and have left.
The other part of this that is really unfortunate about affordable housing is that if you create affordable housing that's at 90% of the market value, that's considered affordable, but we know that predominantly that's not affordable in most municipalities.