Thank you, Madam Speaker. Madam Speaker, there is a process in which we encourage the applicants to reapply in regard to the following year because of change of circumstances. Like I stated last week, there are certain responsibilities in the application that the client must consider. They must be able to show that they're able to sustain a house in regards to the operation of the unit, but also more importantly they have to retain a mortgage through the bank for a portion of the payment for the unit.

The other problem that we have in a lot of small communities is land development. A lot of these clients in small communities are having problems trying to access land, and there are time limits with regard to the application, which is 90 days. In a lot of cases, communities do not have access to banks, don't have access to the lands to be developed in that time frame. So in most cases the applications are approved and then the following year a lot of this construction takes place. So because of that, a lot of clients are basically informed that because they have not completed or concluded the responsibilities laid out in the application, they are rejected and encouraged to apply next year, hopefully with a better chance of getting access to a bank or being able to obtain land to build on. Thank you, Madam Speaker.