Thank you, Mr. Chairman. First of all, I want to commend the Minister for bringing forth this change. I have had numerous concerns expressed to me by real estate agents in respect to, at times, the inability to secure a bond, the difficulty in obtaining a bond, and using such an easier method in basically obtaining the same type of collateral in respect to a bank credit line or other types of methods, producing the same results. However, I did want to ask the Minister, under what criteria do they use the limit of $25,000? Is it necessary to use an amount of $25,000?