Perhaps I could start the ball rolling.
It's very unlikely provinces will get involved in building houses on reserves. That's a legitimate point of view. That's something the federal government should be doing with local governments and first nations housing authorities. Where provinces have been extremely helpful is in bringing utilities and services like water, electricity, and broadband to the reserve boundary and helping create infrastructure for the communities. Provinces do play a significant role in urban settings, where half of first nations people live, so a lot of their issues around social housing and other kinds of housing issues are essentially aboriginal issues in cities like Winnipeg and Edmonton and elsewhere.
In terms of reserves, the policy issue that is before us is that we're really trying to push money through funding agreements, compounded by the fact that these are 100-cent dollar cash arrangements. If you need $200,000 for a house, you have to find $200,000 in cash, and it's very difficult for governments to come up with enough cash. So what we would like to pursue, in terms of policy, is bringing more market financing and more individual tenure of houses. There's too much social housing and not enough individual tenure in the housing units. If we could change the mix over time—and this is something a lot of first nations communities want to do—we would get much better results for the money that Parliament appropriates.