Thank you, Mr. Joseph.
One important thing about Build Canada Homes is that it's built specifically to target non-market community housing. This is why I think it's important that the legislation also reflects that mandate.
One superpower of the federal government in this space is the ability to do direct lending. No other order of government has the same power to provide the same below-market rates. That was a very important shift eight years ago with the national housing strategy. I hope it will be improved with Build Canada Homes, with new flexibilities that were not available to CMHC. I think the greatest opportunity with Build Canada Homes is low-cost finance.