One of the other areas that the department should seriously consider is family size, especially when you start off as a single couple and then maybe you have a few children. What we are finding is it is leading to overcrowding A lot of people that got into Homeownership Program were basically newlyweds. In most cases, they might have had one child or something. A couple of years later, they have four children and the house is not designed for six people. Is there a possibility that the government can look at the programs wherever possible and instead of having to do a major retrofit of that unit by expanding the unit, if they could swap houses with the government... You are going to have other clients in the same predicament where they are newlywed couples. They are needing more than just a two-bedroom unit versus a house where you need a four-bedroom unit where you have a family with six people occupying that unit. I think there has to be some flexibility in our programs and services that we can in our communities, wherever possible, than having to have the people apply on a program where they’re going to have to go to the bank, get a major loan to expand their unit. It might make more sense just to swap out units between the Housing Corporation and the people, because they are our clients. They came to us for a program. They managed to get the credibility of going to the bank and sign onto the mortgage. Something this government has to look at on the progression of growth. You start off as a single couple, you have children, you have a family. As we grow, we have to look at housing with regard to a transitional period when you start off as a single person. Then you get married and you move through life. Eventually the whole cycle of housing has to be considered here.

I find it really, I wouldn’t say challenging, but for people in communities, especially families that realize their house is too small, they’ve got four kids and it was only designed for three people. We talk about the area of statistics and overcrowding, health conditions and everything else, that brings up the area of health care and not only the

affordability of housing but the adequacy of houses. I would like to ask the Minister if that’s something they could consider looking at in light of these units we have in our communities. It might make more sense to deal with somebody that already has the credibility with the banks, who has the track record of actually being on board, paying their mortgage. They’re getting ahead, but they just cannot get that assistance to expand their unit, which probably makes more sense to go to the house and say can we do a swap here. I believe we already do that in some cases, where we actually take back units and then basically offer them to other clients. I’d just like to ask the Minister if that’s something they can seriously consider. Thank you.