First, thank you so much for your testimony. I'm very grateful for the work you do and I commend you for the important work that you do.
I was very encouraged when you talked about refugees having a high success rate when it came to home ownership over the last 20 years, as your study revealed. However, we also know across Canada that many asylum seekers and refugees are living in shelters or hotels or are unhoused.
Do you believe that the federal government is providing adequate supports to displaced persons coming to Canada in terms of housing, health care and employment? Maybe you can talk a little bit about where we need to do better. As well, what is the impact of Canada's high cost of living when it comes to newcomers?