They do.
I would just say that on the “above the building code" specifications, we are committed to that. We feel, on a personal note, that that is a good thing, but it does add significant costs.
By doing affordable...and other things, you're having to figure out the financial model that is not market... The advantage of CMHC is the lower interest rate and maybe the slightly higher loan-to-value amount on the mortgage. I'm in agreement with what you've said.