Thank you, Mr. Chair.
Thank you to all of the witnesses for being here. I have a couple of questions, and I'd like to give each of the witnesses an opportunity to answer. I will circulate through and would ask, if possible, to maybe keep your answers a little tight so that we can get through a few things here.
My first question has to do with the application itself. We heard from other witnesses about the onerous part of it and how it maybe times out. It's really difficult. If you're also a senior who isn't really technological or perhaps someone with disabilities, it may not be very inclusive and accessible.
I'm just wondering if you can speak to the application itself and the time that it takes.
I will start first with Habitat for Humanity and then we'll go down the line.