Thank you, Mr. Chairman. My concern or interest is more in the form of questions than they are of general comments. I am all in favour of more autonomy and freedom for the communities for this particular piece of legislation, since it amends borrowing powers and could have significant financial implications for communities, for rate payers, and of course for the government.

I would be interested to know whether organizations like the NWTAM were consulted, hopefully somewhat extensively, on this particular issue? Is there a safety net? Especially for, if I dare use the word, less sophisticated communities as they try to possibly move into the money market and borrow in a fairly sophisticated kind of environment and maybe lead into decisions that may not be the right ones in the long term? If I could just get some response from the Minister on those two questions on her consultation and the safety nets in place to make sure that while the small communities can maybe borrow from where there are better rates, they do not expose themselves to financial risk that they will not be able to carry because they do not have extra revenue in most cases to offset any possible bad investment decision? Thank you.