Mr. Speaker, I am not sure if I got every one of those four questions but I did mention we will be looking at the issues brought up by the Member. The change or the different way of issuing contracts is one that was requested by the local housing organizations for more and more taking over the programs we have. This type of contracting has been requested by many of the smaller companies. For those that are still apprehensive about it, we will remain flexible and we will assist them where we can. You have to also remember the way we are financing the housing packages will be through the banks, so the client who is going to build the home will have the dollars ready before the construction season and therefore would be able to make an arrangement with the builder.