Thank you, Mr. Speaker. I believe we are at the stage where there are still many clients that wish to build their own homes and use our Plan 2000 programs that are seen by the banks as relatively low risk. As the Member knows, banks do have very stringent rules and, although they are in the business of lending money, they also look very carefully at the risk. Therefore, they take those precautions. That is where our program kicks in, where we do provide monies to assist home-owners, or home-owners to be, with their down payments.

If there are questions on the client's ability to pay back on the tax part, but in our view that those are good suitable clients, then we will in fact go to the bank with the client at times and try to help them out that way.