I would quickly say none of the above. I think it's an absolute myth that has developed and caught hold in Ontario and in the media that the problem with supply and affordability has to do with municipal processes. I utterly reject that concept.
If you wanted to direct money to support, let's say, the housing provider, in a very specified way that wasn't around actual building, I would do it in a way that provided dollars to service providers or larger urban centres to support not-for-profits to work through the process themselves. They struggle with planning and with architecture fees and with the capacity to do it.
There are a lot of not-for-profits and faith-based groups out there who want to step into this need, but don't have the dollars and sophistication to do it. If we were funded to support them, we could maybe accelerate some housing that way.
However, I believe strongly that spending $4 billion to try to improve municipal process is really not the right way to go.