For the third question, I'll probably defer to Caroline or Ben, but let me address your first question on the mix of programs.
It's a mix of various programs. There's a lot of information in the report, and various programs have various pros and cons: flexibility, targeting, admin costs. It's a mix of programs and, really, it's a policy decision as to which are more efficient. It depends on the objective of each intervention.
How the funds are distributed also depends on the programs. There are some programs for which there is direct federal government intervention—for example, some homelessness programs and some CMHC programs. For others, it's by agreements with provinces, which is often the case when it comes to subsidized housing. Provinces also have their own programs when it comes to all these various areas of intervention.
It's really a mixed bag, and that's one of the things that I found in looking at the results of the work of Caroline, Ben and Mark. There is a very wide range of programs in this area.
I will go to Caroline or Ben on spending all the funds or not.