Thanks very much for that. There's lots to dig into there and a lot more work to be done, clearly. I thank you for making that statement here.
I would like to move on to Mr. Sullivan. I'm wondering if you could speak to this.
Obviously, in many ways your members are on the front lines of the social and supportive housing crisis in this country. There's a huge need. What are the biggest barriers your members have to getting units built? I'm sure financing is a big one. They face a lot of the same problems, I'm sure, that Mr. Irwin's members face. Can you speak to the barriers they're facing?