Thank you, Mr. Chairman. We have done extensive consultation with the municipalities and NWTAM and the Hamlets. I guess the question is where will this bill allow Hamlets to go in over their heads? I think that is the question. So the answer is that the bill will allow them to borrow from sources other than the GNWT and banks so that they can shop around for the best deal. The financial situations of municipalities are carefully monitored and evaluated by MACA staff. That would still be happening. We would be assisting them so they do not get in over their heads. All of the borrowing must be approved by the Minister, with the Hamlets, that is the smaller communities. Thank you.