Thank you, Madam Chair. Our local housing organizations or associations are an arm of the Housing Corporation, an administrative arm. They have a community housing agreement that they sign, they all sign on it. Looking at why they can't access federal programming is that they are not the owners of the assets. The Housing Corporation is the bona fide owner of all the assets, so in order to apply for, say, co-investment programming, you have to own the asset. You have to have ownership, so that's the primary reason. Thank you, Madam Chair.