Thanks for having me, Mr. Chair.
Welcome to our witnesses.
Mr. Tremblay, a theme that was developed in the Auditor General's report was almost one of haves and have-nots. In the smaller communities, I think we're at a disadvantage in terms of accessing funding, either through the department or through your organization, for various reasons highlighted in the report.
I've always found that many of CMHC's programs are urban-centric. I come from a large municipality. I served on our non-profit housing board. We have a team of lawyers, planners and others who help us with applications that you put in place. Small, rural, northern, remote and, in this instance, indigenous communities don't have those resources, so many choose not to apply. Can I ask what your organization is doing to ensure resources for small communities?
I think the report states that application-based proposals penalize those without resources. What is your organization doing to change that narrative and to ensure that the smallest of communities receive their share of the resources from all of those who are in attendance here today? How are you changing things in your workplace to ensure that they have equal access to those resources?