It depended very much on the country that the refugees were coming from. In a country like Turkey, for example, camps are set up by the Government of Turkey that house a certain number of people, but many millions more in Turkey are not in camps.
In Beirut, Lebanon, they have a policy of not creating camps, so under UNHCR's auspices people have been living in some informal places, but by and large, people are living in rental apartments.
In Jordan, there were folks that we brought to Canada out of the refugee camp—I can't remember the name of it at the moment—and others who were living in urban or rural environments and then resettled.