Thank you, Mr. Speaker. The program was designed, as I said earlier, after a lot of consultation. It was felt that it needed to concentrate on several areas: working on putting more money into the hands of students, working on success and the incentive of success and trying to get students back to the Northwest Territories.

Should a student fail, the student has the ability to repeat a program without penalty. If the student were to fail a second time, the student would have to repay that particular term. The question with regard to where the funding comes from, it would come partially from that requirement, but also it is remissible. Therefore, if the student succeeds and comes back to the Northwest Territories, that student has an ability to have that loan remised. It is not repayable. If the student does not come back to the Northwest Territories, then the loan becomes repayable. Thank you.