Mr. Chair, in answer to that question, CMHC has gone through tremendous changes over the last five years. Prior to the national housing strategy, CMHC was focused on its commercial mandate. We were delivering mortgage insurance products and working primarily with the financial institutions sector.
The national housing strategy represented a return after three decades to working with clients of a totally different type. We've had to re-establish ties with the non-profit community. We've had to work more closely with provincial, territorial and municipal governments. That has required a retooling of our processes and our technology and, possibly most importantly, a change in culture at CMHC.
This focus on client service and understanding the specific needs of the non-profit sector are things we have improved, but it's a continuous learning process.