Thank you, Mr. Chairman. Any of our home ownership programs, with the exception of the downpayment assistance, require individuals or families to be within what we call a coordinated income threshold. In other words, have incomes of at least the level that they could support a mortgage, with some assistance if they're in the assisted programs, up to the maximum amount at which they no longer would receive assistance from the corporation.
With respect to the downpayment assistance, we again use the upper strata of core need income thresholds to determine which applicants would be capable of maintaining their own home and mortgage and all the costs that go with home ownership, with an amount of equity that the corporation would provide as far as the downpayment assistance was concerned.