Thank you, Mr. Speaker. Mr. Speaker, local housing associations and authorities do a lot of tenant counselling, particularly as it pertains to rental arrears. When individuals find themselves getting in arrears, usually it starts off at one or two months and then it starts to build. The housing authority or housing association staff will go and speak with the individuals, first of all, to try to make some kind of arrangements to pay off some of these arrears. Failing that, there are different progressive actions that are taken. If the individual makes an effort to pay off their arrears, then no further action is taken. But if it were to escalate, in extreme situations where eviction orders are requested and received through the rental officer and subsequently through the court system, it's generally as a result of tenants refusing to pay and not trying to make any effort towards rectifying their arrears. Thank you, Mr. Speaker.