We work with folks along the continuum, whether that's in a shelter, whether that's for affordable housing, or whether that's somebody trying to enter home ownership. We underwrite a project. As I said before, we don't want to put somebody in a home that they are eventually going to lose. That would be a life-shattering event from which they might never recover.
With our stress testing, we need to ensure that there is stability in the marketplace and that if there is an unforeseen economic or financial stress, we're in a position to make sure that Canadians are well protected from that. We work with groups to do education in order to help people get into a reasonable financial position so that they're able to take advantage of home ownership or rental. We're there for all the options.