That's great to get that from the Minister, but clearly there has been a failure of the private market. People can't get insurance, can't get affordable insurance. We're just going to stand there and watch? This government proclaims that homeownership is a critical part of addressing homelessness, yet residents can't find or obtain affordable insurance. We heard the Minister of housing earlier today talk about how they have to change programs because people can't get home insurance. What specifically has the Minister done to ensure that home insurance is not a barrier to homeownership?