Yes, Mr. Chairman. What Mr. Murray said in his last sentence was that what you have here are only what the Legislative Assembly votes in and decides to contribute to the Housing Corporation. What you do not have here is the extra funding from several different sources, including the major repair money from the federal government. There is revenue from other sources listed later on, I believe. Thank you.

Thank you, Mr. Chairman. In the $5.592 million allocated to the contributions for the Inuvik region, you have $47,000 for the senior citizens' home repair, $35,000 for the Emergency Repair Program, $1.4 million for the Independent Housing Program and the Housing Corporations' contribution to the EDAP portion, which is the lever, the bank financing, we have $3.672 million. In addition, there is a total of $416,000 for various small equipment, modernization and improvement money and some retrofit. Thank you.

Thank you, Mr. Chairman. The Independent Housing Program is intended for those people who can afford the operating costs on a home, but they are below the income to get a mortgage with the bank. Under our Expanded Down Payment Assistance Program the cutoff point is whether they can afford a 30 percent mortgage at a bank. Below that is where we offer the Independent Housing Program. It allows people who can still afford to pay the operating costs of the home to become homeowners, but they do not necessarily qualify for the bank funding.

Thank you, Mr. Chairman. Mr. Murray will deal with the different programs, but I wanted to indicate that, indeed, there have been different types of programs over the years that are geared toward different income brackets and are very much dictated by how much the government has at the time. If we could build more houses, if we could assist more new homeowners and make it easier for clients to lower their mortgages or lower the number of years they have to pay for a mortgage, et cetera, we could. Our hands are tied, in some cases, by the amount of cash that we have on hand. With that, I will ask Mr. Murray to speak a bit on the different types of programs and why they are the way they are.

Thank you, Mr. Chairman. To answer the Member's question, there is a repayment required on the Independent Housing Program. The difference between it and the Expanded Down Payment Assistance Program is we hold the mortgage on the Independent Housing Program because the amounts...it would be borrowing a lot less from the bank and it really is not worth it for the banks to get into that. We had enough trouble selling the banks and CMHC on allowing us to go to a 70 percent down payment form of assistance. We are still holding those mortgages, but there is repayment on those to us.

Thank you, Mr. Chairman. There are a couple of things going on in that fund. First of all, the individuals may be or may have been eligible for social housing, or may not have been for various reasons, if they have

arrears to LHO or have run into other problems, they might not be. However, applying for social housing with the Inuvik Housing Authority is always an option. On the general issue of the homeless and dealing with that is one that Mr. Dent and I have committed in the House to try to find solutions or options for. It is raised mostly about the situation here in Yellowknife, but there are situations in other places, too. Although I cannot speak to details of what is being discussed right now between the Housing Corporation, ECE or Health, I can say that we do have officials exploring options of where we could go with helping the homeless. Thank you.

Agreed.

Thank you, Mr. Chairman. We are talking about various Baffin region communities. Can the Minister indicate which communities we are talking about and how much we are allocating for each community? Thank you.