Thank you so much, Madam Chair.
I want to thank our two witnesses, Mr. Collins‑Williams and Ms. Keesmaat, for joining us this morning.
It's plain to see that it's getting harder and harder to find housing. This morning, there was some talk about a study on homelessness in Laval. Young families are having a hard time buying their first home. The issue of housing starts goes to the heart of something that every family needs: a roof over their heads.
I'll start with you, Ms. Keesmaat. For the past few years, we've seen Ottawa announcing new housing programs, yet the number of housing starts is still too low. You mentioned this, but I want to give you a chance to tell us more. Is the problem that there's not enough money, or is it that the federal programs are too complex? I'm pretty sure I know what your answer will be, but I'll give you a chance to elaborate.