Thank you, Mr. Speaker. We are taking a proactive approach, Mr. Speaker, trying to provide financial counselling to clients who are in arrears on their mortgages. We certainly sympathize with some of the hardships that some clients may be encountering. Again, we deal also in the context of homelessness and the potential these impacts may have on individual families where they may be having some financial difficulty meeting their mortgage payments. In respect to that, we want to provide financial counselling to those who are encountering those difficult problems. Thank you, Mr. Speaker.