Thank you, Mr. Chairman. That is a very critical question we have been trying to answer for several years, the last couple of years, at least. What we are trying to do is expand our existing home-ownership funding to those smaller communities. Also, we have had several discussions in the past about how we may introduce market development into those communities with the high wage earners, so the idea is to, perhaps under this new affordable housing agreement, be able to assist further housing developments.

The other thing that we have to be cognizant of, Mr. Chairman, is the high cost. Even though we do have annual allocations in those communities, with the current cost of construction and procurement and transportation to those units, we may not get as many units on the ground as we would like. Our ambition is to work with the communities to look at the various partnership agreements. One we call the universal partnership agreement, where they take the funds and develop in accordance with their core need. The other one is called a project authority agreement, where they take over the responsibility for developing those projects that will meet, again, those who are in core need.

Those are two basic programs we feel will help facilitate market development in those smaller communities. Thank you.