Thank you for the question. I will respond in English, if that's okay.
Yes, I think there is a need. As the industry representatives have indicated, they are very good at building supply. They can't create housing at affordable levels, simply because it doesn't make a business case and it doesn't make sense. Therefore, it very much is the role of governments to bring in mechanisms, whether that be cheap financing, capital subsidies or ongoing housing allowances, to improve affordability for low-income households that otherwise won't be met by the market.
I think the national housing strategy is certainly the instrument that could and should do that. Currently, even though it is now identified as an $85 billion initiative, most of that funding is in loans, not actual contributions and grants. If we really want to meet the needs of very low-income people, the national housing strategy will need to be significantly enhanced with higher levels of capital contribution and ongoing subsidies.
That's not just a federal role. Certainly the housing allowances are part of the bilateral part of the national housing strategy and could be delivered in collaboration with the provinces which cost-share those ongoing housing allowances. That's critical if we're going to meet low-income housing needs.