Thank you.
One of our witnesses this morning said that we have to keep our foot on the gas. And we think that this has been slamming on the brakes.
You mentioned that there are many housing cooperatives involved. I'm in an urban riding myself, with many local cooperatives, and they're all in housing. They're facing some particular issues with respect to funding and lending and extending their mortgages. As well, of course, bridge funding that's existed will be expiring in the next few years.
What kinds of challenges are your housing co-ops facing? And have they experienced this when trying to get financing to repair roofs, say, or make infrastructure improvements in the buildings?