Thank you, Madam Chair. I appreciate the clarification. Another concern is that we are going to get into selling and buying of houses. Although we have different checks and balances in place to assure that when you lend money or make guarantees that you have less exposure. But we know as a government, when we write off debts of the different corporations, the BCC and so on and so forth, over the past year and a half in this Assembly, that sometimes there are staggering amounts. I think it is naive of the corporation to look at not having some type of debt reserve and then of course what happens then is, for example, if I cannot meet my payments and then an arm of this government, the housing corporation, has to come in and evict me and sell my house, that leaves a very poor taste in my mouth as a government because we are going to be evicting people. I guess, I am looking for some type of assurance that you have a reserve or at least, if you have a portfolio of $15 million guaranteed are you looking at an exposure rate of 10 percent, five percent, eight percent. Standard accounting practices with lenders on the reserve or the debt loss ratio that the corporation would expect to take.