I do think it's what I spoke about with the concept of a coordinated approach. I think we need to be at a trilateral table. I think we need to really work at the details and the practicalities of how the program operates on the ground, as opposed to in the concept of policy only: What are the effects of that? I think we've heard some great examples today of what that could be, and also of a coordinated approach. That would have to be individual to the territories, because I don't think the three of us do things the same way across the top of the country.
I know that we would welcome partners to come and have those discussions and discuss how the NIHB program works and how it doesn't work, and how we can also make improvements in our systems.