Thank you, Mr. Chairman. Just a quick comment and also a short question. As the same Minister is responsible for Public Works, the point I was trying to make earlier was this type of a document -- black and white and nicely laid out -- is, I think, very sufficient. That was the point I was trying to make about the publications in Public Works. Maybe we can get away from the colour until we get some excess funds to contribute to that.

I was just looking at the home ownership forgiveness loans programs and the downpayment assistance programs. What criteria is in place to evaluate who falls under this program?