Thank you, Madam Chair. Madam Chair, that does not set my mind at ease and I will explain why. For example, in the Nunavut settlement area where we do not own the land, 95 percent of your assumable mortgage is usually covered under Canada Mortgage and Housing Corporation. They insure your mortgage. The bank is at no risk because you have to come up with your five percent. So if I do default, the bank just goes to CMHC and they cover the risk. By setting up the debt reserve, on the other hand, is an indication that you do look at the exposure of having debt loss. Maybe my supplementary question on this area would be then, what is the corporation's reserve and what percentage of the guarantees being made do they expect to go into the negative side or the non-performing side of the guarantee?