Just on the question you asked about home ownership, that's a very North American concept as well. In Canada, about 70% of Canadians are in the private home ownership market. About 25%, give or take, are renters. In comparison, in many European countries—take Germany, for example—only about 50% of the population are in the private home ownership market. There, and in many places in Europe, renting is seen as just as viable a home option.
For many Canadians, most particularly women fleeing violence, the real challenge is, frankly, not home ownership but just having a home, period, having a roof over their heads. I think the challenge for them is finding a safe, stable place where they can just claim that, whether it's owned or rented. Just finding a safe place to feel “that's home” is more the challenge, as opposed to actually having a deed to the property.