Thank you, Mr. Chairman. I think there is a recognition that even with this resolution, there is a down side to apartment complexes. However, the fact is that there is an urgent need for housing, there is a shrinking dollar, and there is a requirement to try to meet some of the housing needs. There is general consensus with the standing committee on finance that the net effect, if you were building a 20-unit apartment complex, is that that the economies of scale are significant. My best guess is you are looking at $100,000 a unit to build a two-bedroom apartment versus $150,000 or whatever it takes to build a two-bedroom house or duplex. But we recognize there is a down side to it.
However, we believe the shortage, particularly in the larger communities where we have a large young population, young married couples with one kid or two kids, we simply have to move toward some of these things and take the risk. If we want to get the levels we want to get, you know, the number of units into the market place as quickly as we can, then we think there should be some consideration to doing this; but I do want to say publicly that the committee recognizes there will be problems. They have weighed that in this resolution. Thank you.