In the third part of the series, you can think with us about "How Did We Get Here?". The conditions for the current affordable housing crisis have been building up for decades. Many policy changes in Canada and Ontario since the 90’s could be named, such as the interruption of the federal investment in social and non-market housing, provincial cuts to social assistance programs, or downloading of social service costs to municipalities. The list would go on. The point here is not to unpack the policy changes. The focus is on shedding light on the mindset that created those policies or that failed to anticipate and respond to the crisis in the making. It is the same mindset that has been shaping the course of the urban development and gentrification in cities around the world, as well as in Waterloo Region.