Thank you, Mr. Chairman. I guess I just have difficulty in playing a part in allowing somebody to lose their house and their land because they owe a library fine and they refuse to pay it for whatever reason, but they are maintaining their land taxes diligently, as many hard-working people do. If they have a dispute over water and sewer services and they aren't paying it, it appears that we are allowing a system where they can lose access to their house and land because we are allowing the municipalities to tack on these bills and outstanding fees on the taxation bills. As a government, we are allowing this without giving it the thoughtful process of how are we going to stay responsible for this process. Thank you.