Thank you for that.
I asked a question, probably a year back, of the past president Romy Bowers. Mrs. Volk, you were appointed president of CMHC, I believe, in June or July of this year. My question for Romy Bowers was the same question I have for you—and I know MP Zarrillo touched on this. It is on the culture of CMHC.
I'm just keeping it real. Despite the good work you do, there are a lot of developers who just don't have a good experience thanks to bureaucracy—the length of time it takes to get applications through and so on. I know President Bowers committed to trying to lead a change of culture. I have always said that CMHC should be less bureaucratic and more entrepreneurial in its culture and spirit.
Can you talk to me about any changes you've made to increase the entrepreneurial side of CMHC since you've been there as president?