Thank you, Mr. Speaker. Mr. Speaker, regarding programs that this government delivers, there are the DAP and EDAP program. I find it very cumbersome that you put elderly people in, this case, the husband is 64 years old and the wife is 59, put them in a situation where they find themselves with a 25 year mortgage. Yet they are pensioners. I think this government has to clearly review exactly how this program is delivered and the age of the people who qualify for this program.

I would like to ask the Minister, do they consider looking at the long-term viability of these individuals to pay knowing they are going to be on a pension within a few years. In this case one of them is a pensioner. Why did the department allow these individuals to be sucked into a program where they are now finding themselves having a possibility to declaring bankruptcy.