Thank you, Madam Chair. The approximate amount of reserves are about $5 million and those reserves are intended not so much to cover losses as they are cash flow requirements. We do not anticipate significant losses with the program. What we will probably be doing is where there are situations where the payments cannot be made under the mortgage of the bank that we have guaranteed, that we will buy back the unit and resell it. So it is really a bridging finance situation as opposed to a loss provision. It is more of a reserve of cash to allow for us to buy back the unit and resell it.