I just wanted to make a comment about housing. I didn't hear the words “shoddy construction”, and there are certainly some houses that are very poorly constructed, with inappropriate ventilation and all of those kinds of things. So I think that's an important factor.
Also, I think the fact of overcrowding is significant, in that there are often not the funds to build adequate numbers of houses for people living on reserve. As well, my understanding of it is that there isn't sufficient recognition in the funding formulas to allow for different conditions in different parts of the country—like the north, for example—which contributes to the overcrowding. As well, many houses do not have access to running water or electricity. So you've got a very complex problem that requires that integrated solution.
I wanted to ask Ms. Fraser two quick things about third-party management. I was quite surprised that some of the bands are still in third-party management some years after they were originally put into it. I wonder if you could comment on that specifically. What is it that gets in the way of having people move from third-party management back to self-sufficiency?
The second piece is your comment on the Indian Act being an outdated piece of legislation. You specifically cited provincial legislation on housing, education, and health and safety. Do you see specific areas where federal legislation is required in areas like housing, education, health, and safety?