www.ohba.ca
winter 2013 | $4.00
at the table with the provincial government P.9
ElizabEth WitmEr wSIb uSherS In a new chaIr who’S ready for the challenge
Forecast 2013 what’S In Store for the houSIng InduStry In 2013
P.42
Who’s Lending? lookIng beyond the bIg bankS
P.48
Green Mortgage mortgage IncentIveS for energy-effIcIent homeS?
P.50
PM 42011539
P.34