Thank you, Mr. Chairman. I am aware of the debenture program. I have been on the town council before in Inuvik and have known that we have had to borrow money, but I have known also that the interest rates at that time were rather extreme and there had to be some negotiation to get those down as interest rates began to drop. My question is, when a community comes to this government to borrow money, what is the interest rate? Is it set? The Minister stated that it would now, in fact, be set lower than what they can get at traditional banks. How long has that been in effect?