I can give one quick answer to that. Under the national housing strategy, the largest program was the national housing co-investment fund, the $14-billion fund intended to invest in both the repair and renewal of existing units and the building of new units.
There are a lot of housing providers across the country who are not applying for that fund, even though it is well resourced, because of the bureaucratic hurdles that are required to access the funding. The form itself is about 200 questions. If you're a small housing provider, it's difficult just to fill in the form. It's also lacking in clarity in terms of the ratio of grant to loan that an eligible housing provider would receive.
That's a good example where the bureaucratic makeup of the program in and of itself is a disincentive to apply for the program even though it's funded to the tune of $14 billion.