Thank you very much, Mr. Chair.
Thank you to both of you for being here today.
Ms. Volk, on the point that you just raised, you talked about zoning specifically. Restrictive zoning has been pointed to by economists, housing experts and advocates as being arguably the single biggest impediment to getting more homes built. If we don't add to supply, prices will stay where they are or maybe even go higher.
Could you talk about that? Could you talk about zoning in particular and how it stands in the way of getting more types of homes built—homes that would add to affordability in the market—and what the federal government, through the accelerator fund, is doing to address that?