Thank you, Mr. Chairman. One of the concerns that comes up when you talk to past clients of the Housing Corporation is the number of different programs that change from year to year. I am wondering about this Independent Program compared to the EDAP program. While listening, a couple of things come to mind. You might have, correct me if I am wrong, two neighbours, one who can afford a mortgage who has to go to the bank although he gets assistance from EDAP. Then there is his next door neighbour who does not qualify for a mortgage but is basically, I do not know if you could say given a home, but what is the comparison? The concern here would be two neighbours and two houses, but one has to get a mortgage and one gets it through the Housing Corporation. Thank you.