On the first part about the urban and the community, when we look at the mobilization of people, people when they are isolated—and that's what we see in big cities—when you see people who don't have a social network to depend on, don't have neighbours they know or proof that they know, they will have difficulties getting through a crisis like this. We see it's more difficult in urban communities, but when they are organized in big projects in community housing or in community groups, they have an easier way through those crises.
In the campagne, out of the big cities, they have this network built up naturally and they work together naturally, so they respond. The way to respond for people who are more vulnerable or isolated goes much faster. We have to re-create those networks within big cities. This is what we do in social housing. When we talk about losing affordable housing throughout the years, when we put all our money in there, we don't have any guarantee for the future. We build affordable housing once and then it goes down and we lose it through time to speculation or different events.
When we build community housing, we ensure the affordable housing will be there as long as the building exists, and the people within the co-operative or the non-profit will be there. They'll make the average of the loan as small as possible and the impact will be as small as possible to pay for their building and their services. They'll get more services, more networks and more community because they'll be in those kinds of houses. It's good to have affordable housing, but this is not a nationwide policy that we have to go through. We have to make sure we build those networks for vulnerable people.