It has absolutely gotten worse, and we're seeing that even in the applications we're receiving.
When I started working here, the applications we received were from people who had had some kind of significant setback in their life and needed a hand up and out of that challenge. Now we are getting applications from everyday working-class people. It's at the point now where most of us sitting around the table—and probably you in the room—are thinking of our children, our grandchildren and our nieces and nephews, and wondering how they can ever own a house.
We were talking about rent control earlier on. We believe that ownership is a way to democratize rent control. That's because if someone owns their house, they can actually build equity and have control over how much they put into their housing.
Yes, we've seen that the applications have changed. Now we're looking at just general working-class people who can't get a house.