The most important thing is to substantially reduce immigration, even 300k is too much, we had 250k last year, let's start with 50k in 2017 and then take it from there. Regional business focused business public banks could be a good idea, ownership shared over two or three levels of government. A main challenge with PPPs is that the private sector partner will probably always only be a part of the deal if, incase there is a problem that neither party is responsible for and insurance doesn't cover, they are going to make sure the bank ie the Canadian taxpayer covers the bigger part of the loss and not the private investors.