We can all rest easy. Despite many studies showing increased income inequality and a shrinking middle class in Canada, a rags-to-riches story is more likely to happen here than in the “land of opportunity.”

University of Ottawa professor Miles Corak, a social policy economist and former director of family and labour research at Statistics Canada, and his co-authors Lori Curtis (Professor of Economics, University of Waterloo) and Shelley Phipps (Professor of Economics, Dalhousie University) found that Canadians are three times more economically mobile than those in the US. The difference is largely due to those at the very top and the very bottom of the income distribution. In Economic Mobility, Family Background, and the Well-Being of Children in the United States and Canada, the three researchers found that social supports such as the Child Tax Credit, paid parental leave benefits, and schools funded through provincial income taxes help ensure that children receive better care and schooling than in the US, where these supports are absent and schools are funded through local property taxes, leaving poor neighbourhoods with failing schools. With sky-high tuition fees at universities, the richest Americans can buy their children the best educations and tutors. These differences between rich and poor mean that if you’re born poor in the US, you tend to stay poor; this also applies to the 1%–the very top of the income pyramid. For example, although “the average Canadian child is not as affluent as the average American, the poorest Canadian is not as poor in an absolute sense as Americans at the bottom of the income distribution.” This may help explain why discussions of class are more prevalent in the American literature and popular press.

The authors caution that rising income inequality rates in Canada could erode the high rate of economic mobility that we see now. Indeed, a look at their graphs shows that we still have issues: 15% our poorest children may still grow up to have incomes in the lowest decile (Figure 3, p7), but they have a better chance at the 7th, 8th, and 9th deciles than they do in the US. More Canadian children are born in the lower income deciles than American children (Figure 8, p33). But Table 1 (p21) shows some clear differences in the characteristics of families and parents. In Canada, 2.1% of children are born to teenage mothers; in the US, it’s 8.3%. In Canada, 14.9% of mothers are single compared to 22.1% in the US. Far more mothers and lone mothers in Canada have completed some post-secondary education or a post-secondary certificate (but oddly, more American mothers have completed degrees). Health problems among the poorest mothers are also more prevalent in the US, likely due to the cost of health care. As the authors suggest, Canadians must protect policies such as paid parental leave, the right to return to their jobs after the birth of a child, tax-transfer programs that help reduce the severity of poverty, and funding for schools through provincial income tax, ensuring a more equal distribution of resources across municipalities and neighbourhoods. Although we have fewer barriers to health care, we need to ensure the lower-income population has sufficient knowledge on navigating the health care system and can pay for prescription medication.

Corak, Curtis and Phipps write that “The citizens of both countries have a similar understanding of a successful life, one that is rooted in individual aspirations and freedom. They also have similar views on how these goals should be attained, but with one important exception: Americans differ in that they are more likely to see the State hindering rather than helping the attainment of these goals. Yet, at the same time the citizens of both countries recognize the need for public policy to contribute to reaching this ideal, with Americans believing more than Canadians that a whole host of interventions would be effective in improving the prospects for economic mobility. One interpretation of these findings – an interpretation that only becomes evident in a comparative context – is that in some sense this need is going unmet in the United States.”

Since I finished my Ph.D. this month, today was officially my last day to use my U-Pass, and a sad day it was! Long past young adulthood, my grad school status awarded me a universal transit pass since 2005; the University of British Columbia and Simon Fraser University started the program as a sustainability measure way back in 2003 with the cooperation of TransLink and intense student lobbying. I’ve travelled the entire region with my U-Pass: it’s taken me to North Vancouver’s Lynn Canyon, Surrey City Centre, Richmond Centre, and New Westminster Quay, all for less than $30/month. Among other things, it’s allowed me to avoid car ownership for another six years; the U-Pass and my Modo car sharing membership meet all my travel needs. The U-Pass has since spread to encompass other colleges in Metro Vancouver, and has had a major impact on transportation mode shift in the region.

U-Passes are part of a demographic swing that’s taking place among young people in Canada and the US. Unbelievable as it may seem in countries that have espoused driving and highways as the only way to traverse our expansive vistas, young people are actually driving less than in previous years (check out the Transportation Research Board’s presentation on this among other demographic trends in the US). Car ownership rate has decreased among youth and young adults. Part of this shift is due to increased availability of programs like university U-Pass programs, better transit service, and growing mainstream popularity of sustainable transportation. Today’s young adults also spend more years in post-secondary institutions, take longer to enter the labour market, graduate with more debt, get married and have children later, if at all.

In honour of my last day with a U-Pass, I travelled to East Vancouver to the Pacific National Exhibition at Renfrew and Hastings. The #14 UBC/Hastings and #16 Arbutus trolley buses travel there, as well as the #135 express bus to SFU. The bus routes along Hastings Street transect the entire sociodemographic range that is Vancouver, from the suit-wearing jewellers in the stone-clad Birks store at Granville Street to the homeless and addicted masses gathering near the faded grandeur of Main Street’s Carnegie. It seemed a fitting way to end six years of unlimited, supercheap transit travel in Metro Vancouver; as of tomorrow, I’m buying full-fare tickets like everyone else.

About a year ago, I wrote extensively about Bill C-304, the much-needed Act to ensure secure, adequate, accessible and affordable housing for Canadians. The bill has been proposed several times, in different sessions of Parliament. Most recently, it was proposed as a private members’ public bill by Vancouver East MP Libby Davies.

After a few years passing through the first and second reading, the bill finally reached third reading debate in November. Most of the debate was in favour of the bill. Following Parliamentary procedure, on November 24th it went back to the Standing Committee on Human Resources, Skills and Social Development and the Status of Persons with Disabilities (HUMA) for an amendment requested by the Bloc Québecois. It then went back to the House for its third reading. It passed in the House and proceeded to the Senate for consideration.

Am I the only one who thinks it’s crazy that it took a year to get from second reading to the debates preceding third reading? And that this bill, in one form or another, lingered in the Parliamentary process for over four years? I realize Harper prorogued government a couple of times, but still…that only cost us a few months. We need this legislation badly. It is interesting how other governmental initiatives, like proroguing government last winter and cancelling the long-form Census this summer, seem to occur quickly and with devastating consequences for Canadians (the Liberals’ move to reinstate the long-form Censusintroduced on September 30th–will take far longer). How is it that the American government has elected a new President, had an entire housing crisis, introduced funding to support affordable rental housing, and introduced its first-ever health care legislation in the time it’s taken us to pass a single bill in the House of Commons?

Just a three months after Edward Jones released a report about the precarious state of the Canadian housing market, housing sales fell in Toronto and Vancouver. Citing prices higher than historical averages, easy credit, and lax government policy that allows people to get in over their heads as the three conditions that create a housing bubble, Edward Jones seemed to be right on the money. Is Canada’s housing bubble finally about to burst?

In Toronto, new home sales in June 2010 were 43% lower than they were twelve months earlier, and July was the third consecutive month of decreasing sales. Housing starts in June were 15% lower than they were in May. But not much hand-wringing is going along with these trends: many experts, like Toronto Real Estate Board president Bill Johnson, say the market “has become more balanced.” After all, average prices are still 6% higher than they were last year, and most of the decline seems to be in first-time buyers. Higher-than-average buying in the first quarter of 2010 means that total sales this year are still up by 11%.

Vancouver has also seen record drops from last year, a 45% decline from last July and the third-lowest July in a decade. But again, this had little effect on prices: the average house price in Vancouver fell by just 0.2% to $793,193. Real estate agents estimate that about a third of the buyers are first-time buyers.

Outside of the major centers, where listings were lower and the market appears to be cooling, there are plenty of houses for sale in small- to mid-sized cities. Nevertheless, both economists and the general public are becoming concerned about the state of the housing market and economic instability, as well they should be. I’ve written before on the instability of housing as an investment and the major government supports that encourage the vast majority of people to believe homeownership is the only option. Is this really the only way to house our population? More specifically, should it be the only housing alternative to receive such funding and policy support? Although there has been some tightening of lending policy and mortgage availability, there are still a lot of policies and incentives supporting homeownership. What about using some of this leverage to support rental, co-op and other types of housing?

“Why doesn’t the president of the United States ever get up and say, ‘You can be a full-fledged American citizen and rent an apartment — it’s OK.” David Wessel, economics editor, Wall Street Journal

Americans now pay more for housing than ever before, according to a report by Harvard’s Joint Centre for Housing Studies. In its annual report The State of the Nation’s Housing 2010, researchers write that 18.6 million Americans spend more than half their incomes on housing, up from 13.8% in 2001. While this figure includes both owners and renters, 45.1% of renters are in the bottom income quartile. Homeownership is at a historical low, household income barely increased in the past decade, and rental vacancies are at a historical high. No wonder the authors are calling calling the first ten years of the 2000′s “the lost decade.” But housing “unaffordability” isn’t anything new, nor are our solutions to the problem.

While the Harvard researchers blame falling wages and high unemployment (9.9% in April 2010), high rental vacancy rates and low supply of the most affordable and smallest units are also major issues. Fewer homes were built in the US in 2009 than in any year since WWII, particularly multifamily homes: 62% fewer multifamily developments were begun in 2009 than in 2008. Demolition and conversion of existing low-income rental units is also a major cause for concern. Lower immigration rates are also taking their toll: there was a sharper decline in the number of foreign-born households under the age of 35 than in native-born households from 2009 to 2010. Minority households have been hit hard by the mortgage crisis. In 2009, minorities accounted for 37 percent of householders aged 25–44 and 39 percent of those under age 25. The minority homeownership rate is still expected to increase by 2020, despite lower incomes among foreign-born and minority households and lower immigration rates due to the economic recession.

Some progress has been made in terms of rental housing: rental conversions from foreclosed housing has already been done in many cities, but Housing and Urban Development (HUD) considering introducing market-rental units into its publicly-funded affordable housing developments in order to help pay for much-needed maintenance on the buildings. And the pro-homeownership policies keep coming, including the renewal of the federal tax credit for first-time homebuyers (and its expansion to repeat homebuyers) and Federal Reserve purchases of mortgage-backed securities to help keep interest rates low. But with the expiration of the tax credit program in April 2010, Harvard’s Joint Centre for Housing Studies warns that any good news may not be long-lasting. The problem, they say, is that there is unusually low demand for new homes. The ratio of housing and transportation costs to income has risen steadily over the past fifty years (see Figure 30 and 31 of the report).

As I’ve written before, without massive government programs to support homeownership and assistance for low-income renters, housing has ever been a good deal. Check out the CBC’s digital archives on the development of suburbs. In a video clip from 1954, the narrator explains how expensive homes are for the average person and how far people have to live (up to 50 miles from the city center) to afford them. In 1953, the average Canadian earned $971/month before taxes. Don Mills, the first suburb in Canada, had house prices beginning at $11,000 all the way up to $100,000. Rental rates at that time were $300/month for the average apartment in Toronto (already hovering around 30% of the average Canadian’s income, the level most housing authorities classify as affordable) and $100/month for a basic three-bedroom in the city centre. In the new market-rate high-rise apartment complexes in the suburbs of Toronto, apartments went for less than $100/month. In Montreal, then the largest city in the country, 70% of homes were apartments and the going rent was $70-100/month, only slightly more than the rents in Winnipeg ($80/month). A house in Vancouver was $2,000 cheaper than in the east at the time. While 1950s housing solutions (demolition of existing older housing to make room for low-income public housing developments in city centres, massive concrete high-rises in the suburbs) may have been questionable, they were quite desirable at the time: the wait for affordable housing, like the still-under-construction Regent Park) was 2 years for a $29-90/month rent-geared-to-income apartment. The average rent at Shannon Heights, a 1950s assisted rental development in Halifax, was only $90/month. Commuting to the city became a new drag, and buses quickly replaced streetcars and trains, steps were taken to make commuting more enjoyable. A 1963 video clip records a housewife saying that the lack of transportation options in the suburbs mean she spends considerable time driving her teenagers around; another says her family moved to the suburbs because that’s where they could get a mortgage.

Whatever housing problems we face today, whether it’s affordability or commute distance, they’re nothing new. Solutions to these problems, like artificially stimulating homeownership through tax incentives and policies, are likewise nothing new; housing affordability problems persist. Recently, researchers at the The New York Times compared the cost of living in a suburban house to an urban apartment in the New York City metro area, and found that the suburban option cost a surprising 18% more (“High-Rise, or House with Yard?” July 2, 2010): the big difference was the higher property taxes, and their comparison didn’t include the cost of home repairs. Even the The Wall Street Journal is publishing articles saying homeownership doesn’t work (“Is the Homeownership System Broken?”, June 22, 2010): WSJ economics editor David Wessel is quoted as saying, “So now we have a system where a lot of people own homes but don’t have any equity in them, which means you don’t get any of the virtues of investing in them. And the government has been forced to take over the mortgage financing system, which suggests that it wasn’t a very strong one if the government has to take it over.” This is quite a turn of events. Could North Americans be forging a new path in housing policy?

We live in momentous times: currently, a very significant piece of legislation is making its way towards adoption. I outlined the reasons for the creation of a national housing strategy during Homelessness Action Week. Housing has a profound influence on the planning of our cities and regions, and housing provision in Canada has been subject to a litany of policies and programs that have decreased housing choice, made homeownership the only viable choice for most Canadians, and undermined the ability of developers to construct rental housing.

The Secure, Adequate, Accessible and Affordable Housing Act (Bill C-304), was proposed by Vancouver NDP MP Libby Davies in February of this year. It has been a long time coming: similar bills were introduced in 2008 and 2006, but the instability of minority governments prevented them from gaining any serious ground. Parliament voted to move ahead with Bill C-304 on September 30, 2009 (this second reading passed with a vote of 147 to 138) and now it must go through a House Standing Committee Meeting before being brought back to the House of Commons for a 3rd reading. Some significant passages from the bill:

  • “Whereas the provision of and access to adequate housing is a fundamental human right according to paragraph 25(1) of the United Nations Universal Declaration of Human Rights…”
  • “Whereas Canada’s wealth and national budget are more than adequate to ensure that every woman, child and man residing in Canada has secure, adequate, accessible and affordable housing as part of a standard of living that will provide healthy physical, intellectual, emotional, spiritual and social development and a good quality of life…”
  • “Whereas improved housing conditions are best achieved through co-operative partnerships of government and civil society and the meaningful involvement of local communities…”
  • “3.(1) The Minister shall, in consultation with the provincial ministers of the Crown responsible for municipal affairs and housing and with representatives of municipalities and Aboriginal communities, establish a national housing strategy designed to ensure that the cost of housing in Canada does not compromise an individual’s ability to meet other basic needs, including food, clothing and access to education.”
  • “3.(2) The national housing strategy shall provide financial assistance, including financing and credit without discrimination, for those who are otherwise unable to afford rental housing.”

Under the specific requirements, the Act ensures the construction of housing that “includes not-for-profit rental housing projects, mixed income not-for-profit housing cooperatives, special-needs housing and housing that allows senior citizens to remain in their homes as long as possible”, housing for the homeless, temporary and emergency shelters. They even managed to include standards for sustainable and energy-efficient design. The Act prioritizes housing for those who haven’t had access to stable, secure affordable housing over an extended period; those who have special needs due to family size or status, or mental or physical disabilities; and those who have been denied housing due to discrimination.

The Act requires the federal housing Minister to work with the provincial ministers of housing and municipal representatives, and (s)he is required to convene a meeting of these within 180 days after the passage of the Act to develop standards and objectives for the strategy, set targets for the commencement of programs, and develop principles of agreement for implementation of the programs. The Minister “may take any measures that the Minister considers appropriate to implement the national housing strategy as quickly as possible.” The Minister is required to present a report of this meeting “before each House of Parliament on any one of the first five days that the House is sitting following the expiration of 180 days after the end of the conference.”

Like many Canadians, I’ve been following Bill C-304 rabidly. Legisinfo provides the latest updates so stay tuned: the House Standing Committee on Human Resources, Skills and Social Development and the Status of Persons with Disabilities met on Nov. 5th and will meet again on Nov. 17th. They need to report on their debates to the House of Commons before the 3rd reading of the bill. To quote Chris Brown, the NDP MP for Hamilton Mountain, “It is about rights. It is about dignity. It is about investments. It is about jobs. It is about time.”

No matter what your profession, you’ve probably been to your share of conferences. From professional to academic, trade shows to think tanks, conferences are still the most popular way to share your research and ideas with a larger audience. In academia, paper presentations and face-to-face networking with other academics are still the norm even in our increasingly wired society. Similarly, practicing planners share their policies, plans and tools with each other at the Canadian Institute of Planners/American Planning Association conferences, and their provincial and state equivalents.

I confess that while I gain a lot from these events, and often meet other interesting researchers in the field, I find the whole thing a bit draining. Several days of listening to presentations and networking is tiring. The other thing is that there seems to be a divide in the types of people these conferences attract: practicing planners go to one conference and academics to another. It’s rare that you have that blend of practicing planners, academic researchers, and those working in municipal, regional and federal policy development.

Last March, students at SCARP organized such an event on sustainability, and I wrote in an earlier post about the success of this one-day symposium and our PhD panel on research dissemination. SCARP repeated the success of this event with another one-day symposium on affordable housing funded by the BC provincial government and several key sponsors like VanCity and the Planning Institute of BC. Papers were presented by both Masters and PhD planning students, municipal planners, housing developers, architects, and more. It was a rare confluence of research, policy development and practical planning tools that have impacted the construction of affordable housing in Canada. Some of the sessions I attended included Haley Mousseau (BC Non-Profit Housing Association) on the long-term survival of non-profit housing units in the province; Andy Yan (Bing Thom Architects) on the impact of empty condos on Vancouver, and Vanessa Kay (internship for the City of Vancouver) research on the long-term costs associated with amenity spaces in Vancouver condos.

The breadth of experience in the room was palpable, and it was easy to strike up conversations over breakfast, lunch, and the cocktail hour with (in my case) the director of a shelter, a housing provider in a suburban municipality, a planning consultant working extensively on housing development, an academic researcher looking at sustainable neighbourhoods, a PhD candidate in geography at UBC, and a Masters student who had travelled from northeastern US to attend the symposium. Best of all, the one-day format kept things moving and packed a lot of information into a short amount of time. The only problem I overheard participants discussing was that there were concurrent sessions, so it was impossible to hear all the presentations.

It’s easy for us to become entrenched and isolated in our little silos, whether it’s a municipal department of planning or an academic faculty. Events like this provide a rare opportunity to share our work with a wider audience and to learn from a variety of different viewpoints. The short length of the symposium effectively limited participation to those within a short distance of the host city, forcing people to develop better ties in their own locality. While there is a place for big conferences, and connecting with people over continents who share our interests, it’s a sad fact that few of us have the time to create or maintain local research/practice networks outside the context of our immediate projects.

Next week I’ll be attending another rather unconventional conference, or rather “un-conference” called TransportCamp, which uses multimedia techniques to foster dialogue between participants. A similar event was held in Toronto in April 2008. I’m skeptical, but I’ll let you know how it turns out.

For the past few years there has been a remarkable amount of research looking at immigrant settlement patterns in Toronto, Vancouver, and Montreal. While these articles rely upon the latest data from the 2006 Census, they are informed by models of urban growth and change that are decades old. This, and their American origins, may influence their application to Canadian cities.

A recent example of the media coverage of immigrant settlement patterns is Doug Sanders article in The Globe and Mail (Are poor ‘ethnic’ areas cages?, February 28, 2009). Sanders asks whether areas with high immigrant concentrations are ethnic ghettos, “where people are trapped in a culturally isolated island of poverty and permanent segregation” or ethnic enclaves, “where people choose to live among fellow immigrants in order to forge ties to the new country, launch small businesses and help one another become members of Canadian society so that their kids can live elsewhere.” Sanders criticizes other writers who have implied that Canadian cities are becoming increasingly polarized and segregated. He also points out that many groups who have more segregated residential patterns are wealthy, such as the Jewish and Italian populations in Toronto.

Although Sanders never mentions them, long-standing theories about how cities grow and change underlie his article. The four most important are the concentric growth model (Charles Booth, 1902), the spatial assimilation model (E.W. Burgess, 1925), the housing career model, and the spatial mismatch model (John F. Kain, 1969).

The concentric growth model is by far the oldest; in fact, Booth was merely the first modern scholar to write about concentric patterns in cities. Burgess further developed the concentric model, arguing that socio-economic status increased towards the edges of the city. Concentric zones were the financial and office district, central retail district, wholesale and light manufacturing zone, heavy manufacturing zone, zone of workingmens’ homes, residential zone, and commuter zone. In 1920s Chicago, when Burgess was writing, the poorest areas of the city were next to manufacturing districts, while the wealthiest were located in rail and streetcar suburbs on the edge of the city. Chicago’s ethnic groups (main Italian, Chinese, and African American) lived in the workingmens’ zone. It was Burgess’ assumption that since the periphery of the city was the most desirable area to live, immigrants would eventually move outward as their socioeconomic status increased (the spatial assimilation model). Although the two models were criticized and found inaccurate only a decade later in Homer Hoyt’s 1939 study of 142 American cities, they have remained remarkably influential.

The housing career model is one of the most commonly used in research dealing with immigrants’ settlement patterns. It likely originated with the Federal Housing Administration (US) and Canada Mortgage and Housing Corporation early in the postwar era. Home ownership was then considered more stable and socially acceptable than renting; housing also quickly became a valuable consumer product in the late 1940s. The housing career model is based upon the idealized human life cycle, which includes pre-child, childearing, childrearing and launching, post-child, and later life stages. The model is linear and progressive; families are assumed to move towards single family home ownership and then to downsize as they get older. The model is used extensively in economic and housing forecasts, and in municipal planning documents.

The spatial mismatch model was developed by John F. Kain. In his view, a major reason behind spatial mismatch was the segregation of African Americans due to housing market discrimination. As cities grew and employers increasingly located in the suburbs, African Americans were unable to move to suburban housing, and in many cases unable to travel to suburban settings due to low car ownership. This resulted in longer commute distances and decreased labour market participation for African Americans.

Interestingly, these models were all (perhaps with the exception of housing career) created in the American context. While Canadian culture is similar, there are a number of marked differences between Canadian and American cities. First and foremost, Canada’s population is concentrated in very few large cites, and a good number of mid-sized ones. Toronto (5.1 million), Montreal (3.6 million), and Vancouver (2.1 million) are the Big Three. Following them are Ottawa-Gatineau (1.1 million), Calgary (1.1 million), Edmonton (715,500), Winnipeg (694,600), and Hamilton (692,900). Sixty percent of immigrants settle in the Big Three; the vast majority end up in Toronto (over 40%). Almost half (2.2 million) of Toronto’s population are immigrants.

Secondly, even back in the 1970s, researchers remarked that Toronto did not have a “race problem”. This is not to deny the racism faced by Chinese and South Asian Canadians a century ago, nor that faced by the Jewish and Italian communities until the 1960s (in fact, these four groups are still among the most segregated in Canadian cities). However, Canadian cities are devoid of the large swathes of inner city segregation common to many American cities. University of Toronto researchers Alan Walks and Larry Bourne studied residential segregation in all 27 Canadian Census Metropolitan Areas. While largest cities had the highest proportion of segregated neighbourhoods, there were no ghettos (which were classified as census tracts having at least 70% minority residents, 66% from one single ethnic group and at least 30% of ethnic group members living in such neighbourhoods). Although some groups were segregated, none approached the level of segregation experienced by African Americans in the US. Further, Walks and Bourne found that residential segregation decreased from 1991-2001, but many visible minority groups were moving into areas with high proportions of other visible minorities. The researchers linked this to the availability of low-rent apartment housing and increasing affordability problems among new immigrants. Other researchers have found that rising rates of segregation are in fact due to the fact that a commonly-used method, the Index of Segregation, measures the extent to which minority group members are exposed only to one another in their neighbourhood. As Canadian cities become more diverse, this likelihood increases, resulting in higher rates of segregation.

These differences between Canadian and American cities are crucial. In addition to this are trends common in postindustrial cities. Toronto and Vancouver in particular have tight housing markets and competitive rents. Combined with structural changes like immigration policy and economic restructuring, immigrants cannot possibly settle in Canadian cities following the concentric pattern established in the interwar period in the US. Numerous articles have explored the causes behind immigrants’ settlement directly in suburban areas in these two cities (see ‘Immigrants prefer suburbs to living in core areas’, Globe and Mail, March 31, 2008). Some, like Anthony Reinhart, imply that while the housing career model is incorrect here (immigrants are settling directly in single-family housing rather than transitioning into it gradually) the core principles of spatial assimilation are intact (immigrants are choosing the most desirable housing location). But in a city with high housing prices and high rents, are immigrants choosing the most desirable housing, or simply the most affordable? Are they, in fact, ‘choosing’ at all, when inner city neighbourhoods are increasingly dominated by luxury condos beyond their means? This remains to be seen.

Finally, should these models continue to drive our planning practices? For example, is it acceptable that the most desirable areas to live in are at the edge of the city? Is this true in today’s postmodern city with a strong demand for urban loft living? Should we focus housing policy on homeownership, at the expense of rental housing, co-operatives and other tenure types? When the average family cannot afford a home in Toronto or Vancouver, perhaps it is time for policy shift. In our multicultural country, is it acceptable that we expect immigrants to integrate into suburban neighbourhoods with the Canadian-born? Or have we finally accepted the idea that ethnic neighbourhoods and mixed neighbourhoods can co-exist? The media storm on this issue indicates that we have not.