Certainly federal spending powers are a very important tool, but we have now got to the point of the national housing strategy where less than 10% of all the funding is going through the provincial mechanisms where the expertise largely was. Ninety percent is going through the federal mechanisms where they really do lack that capacity.
I think rebalancing that and ramping up some of the programs that are funded under the bilateral agreements, particularly the Canada housing benefit, one of the bilateral programs that Tim Richter alluded to for homelessness prevention, would go a very long way to helping much more quickly address the affordability crisis than the federally focused loan-based programs that predominantly supply without any affordability criteria or very minimal affordable criteria.