Thank you for that.
Dr. Julia Christensen, you mentioned that the CMHC market is not exactly working for the north, which is a unique space. You mentioned the boom and bust cycle as well.
Do you have an idea of a low-hanging fruit in terms of systematic change for housing? It kind of reminds me of a typical first nation reserve, where mortgages are not the norm, but you're talking about a whole territory or multiple territories. Do you have any structural changes in mind in terms of market housing, or anything unique in how regulatory regimes can change in terms of home ownership? Maybe that's even the wrong term in itself.