I think there are distinct issues. I think I would agree with you that we absolutely need to do more to build affordable housing, to grow housing stock, to support vulnerable people. You and I will be aligned on that until the day I die.
Where I have disagreement is that it may be possible, in my opinion, to both support vulnerable Canadians and build more homes while we have separate programs that operate on commercial terms and loan money—not give away money—to allow institutions, organizations or buildings to make themselves more energy-efficient. In fact, I believe it is essential that we both pursue support for vulnerable people and fight climate change at the same time.
Given that this is an independent entity that is dealing on commercial terms, I don't see that the money that could be loaned and paid back takes away from the ability of the government to fund projects separately.