To avoid this problem, we must ensure that financial arrangements do not depend solely on private investors. We have to ensure that we don't rely solely on financial products to develop housing. In a few years, there will inevitably be projects, particularly in Quebec. However, we're already seeing that housing is being financed where rents are much higher than the median market rent. It currently goes as high as 150% of the median rent. So these investments are already making housing unaffordable.
Furthermore, we are relying heavily on private investors, such as banks. So what we see coming in the long term is that certain patient capital loans will have to be refinanced, so we will turn back to private institutions to—