Well, let me refer to a couple of things. I'll start the answer and then I'm going to turn it over to Murtaza.
In 2014 and 2015 there was a pilot project in Ontario whereby when developers brought in proposed redevelopments. They had their architects and they had their engineers with their stamps, approvals and recommendations. The municipalities put in a pilot project, which was there and gone very quickly, and they would take the engineers' and architects' stamps as long as they got insurance and did not redo that work by municipal engineers and architects. There's been a complete bottleneck in the approval process at the municipal level.
In Ontario, it used to be that Tarion would give a home builder warranty. Now, as of February 2021, a new thing called an HCRA licence is required. This could delay builders by up to another nine months to a year. Everyone is trying to protect themselves, and we have these delays.
There's no simple solution, because we have three levels of government autonomously and independently operating. It's an incredible bottleneck and roadblock.
Murtaza, help me with the end of this answer, please.