Thank you, Mr. Chairman. Up until this upcoming fiscal year, the NWT Housing Corporation had seniors sign agreements for up to ten years for the Senior Citizens Home Repair Program regardless of the amount of money that was utilized up to $20,000 even if an individual had borrowed or had been given a loan for $2,500. We also felt that was a problem and we incorporated a minimum amount of forgiveness annually, so the agreement is given over a time period at a minimum of $2,000 per year. So, if an individual senior was to get $4,000 worth of repairs, they will receive full forgiveness in two years and the forgiveness is in place only to protect the seniors themselves from tax implications of getting their one-time outright grant. Thank you.