I'll focus on CMHC because that was the first part of your question. I believe, and I've said this before in response to your question and others, that the processes for processing applications under the national housing co-investment fund could be sped up a little bit, and it has. The processing time has been improved by over 50%, but I believe there's still room for improvement there.
There are other processes that we can speed up, together with municipal governments and other bodies, to speed up the approvals process for affordable housing proposals that come to CMHC. That's the first one I would focus on.