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.