I'd like to point out that we have local teams working closely with the non-profits and with some organizations involved in our programs. Our service standards vary, depending on the program. It's true that for the rapid housing initiative, service is much faster and much more accessible to people in these communities, because these programs are 100% funded. For our co‑investment program, it's a little more complex because it is made up partly of contributions and partly loans. When there are loans, we work closely with the provinces and other funding organizations to make sure that the projects are viable. So those take a little longer.
If you would like, we can also talk about the service standards for our clients. My colleagues, who are here by video conference, could answer these questions.