If I would meet with you again in a year, I might have many more things to tell you, but, at the moment, I do not have enough experience to comment on a process with which I am not that familiar.
However, I would say that in my opinion the current problems with the system do not necessarily lie in the financial assistance programs. There is emergency funding and some flexibility there. The problems are really in the area of supporting these people to help them access these programs. The other problem has to do with coordination among the various programs, based on the applicant's situation.